I don't know who is threatening to seize money from your bank account, or why. But usually when someone is in this kind of situation, I encourage them to set up a a free consultation with a bankruptcy attorney. Even if you aren't planning on filing, the attorney can tell you what your rights and options are for dealing with this debt. The attorney will be familiar with your state laws and can tell you what creditors can and cannot do to collect from you.
While I am not an attorney and cannot offer legal advice, I did look up the Missouri statutes online for you and found the following exemptions (property that is protected):
(10) Such person's right to receive:
(a) A Social Security benefit, unemployment compensation or a local public assistance benefit;
(c) A disability, illness or unemployment benefit;
(d) Alimony, support or separate maintenance, not to exceed seven hundred fifty dollars a month;
Please don't rely on this as legal advice but it may prove helpful if the money the collector is threatening to take is protected from creditors.
In addition, keep in mind that if the debt collector threatened to take money that it cannot legally take, that would be an illegal threat. In that case, you should talk with a consumer law attorney with experience in debt collection cases, or call the Collection Complaint Hotline at 888-711-5143 for a FREE, confidential case evaluation.
Nandel, I hope you take advantage of these free resources. I am sure this is a stressful time for you, but there is no reason to go it alone when help is available. Let us know how things go for you.
