judgment and collection

by ed
(new jersey)

I had a credit card that was past due. My wife was down on it as an authorized user. A law firm secured a judgment against her. We have a joint account (checking) This same law firm once had a judgment against me and froze my bank account, they had to return the money since all i get in income is SS and a state pension. My question is this, my wife also gets social security, but does not deposit her check I still deposit my SS and pension. we still have a joint account, can they now freeze our account to collect on the judgment against her? We live in N.J. We are homeowners with a mortgage.

Ed

Comments for judgment and collection

Click here to add your own comments

Apr 27, 2010
lawsuit and judgement
by: Gerri

Ed - How did the law firm get a judgment against your wife if she was only an authorized user on your credit card account? Did she go to court to protest this?

Apr 28, 2010
ed. n.j.
by: Anonymous

No we did not protest, I did not think they could do that.

Apr 30, 2010
judgment against your wife
by: Gerri

Ed - if your wife was only an authorized user on this account I don't see how the collector could get a judgment against her, except for the fact that you didn't show up in court and they may have just been granted a default judgment automatically.

Still, it sounds like it may be not be legal. I would strongly encourage you to consult with a consumer law attorney right away. Find out how to get FREE or low cost legal advice about debt collection from a consumer law attorney here.

Please let us know what they have to say.

Click here to add your own comments

Return to Debt Collection Questions.

Learn how debt collection laws can help you!
This website does not provide legal advice.
All information is for educational purposes only.
Copyright 2007 - 2016 by Mary Reed and Gerri Detweiler.
All rights reserved.