The creditor is required to send you notice of the garnishment within 3 days of the garnisheed being served. If the do not, then file a traverse (have an attorney file it). Please don't make the same mistake and do it yourself. If you ignore this and do it yourself, do not state the reason in the traverse or the creditor will know what to correct. Then, they can simply file a new garnishment, serve you with notice, and dismiss the first one. That way, there will be no gap during which the funds are available for withdrawal.
You have screwed up every step of the way and in not spending a few hundred dollars on a lawyer you have probably lost $53,000.
Mistake one: not answering the case. That means you lose. That is almost never fixable. The facts of the case can never change now.
Mistake two: thinking your fathers bankruptcy helped. Unless it was a 13 it did not.
Mistake three: filing to reopen default a year after the fact. That simply had no chance (and the fact you didn't followup is even worse.
Mistake four: expecting that you'd get warning on a garnishment? Of course not. If you knew it was coming, you'd be able to take out the money. You don't hear about the garnishment until after the account freeze.
What do you do now? Your $53,000 mistake may not be fixable because you didn't think you should spend a tiny amount on a lawyer two years ago. But see a lawyer, show him the litany of mistakes and see if you have options. Bankruptcy may be the only one, and you'll probably lose much of the $53,000 in that, but may possibly get some help. And while I doubt you have other options, a lawyer can review everything to be sure.
By the way, putting your name on a checking account has many consequences. That was also something you might have asked a lawyer in advance.
The creditor ISN'T crazy. They're doing exactly what all creditors do.
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You have already been notified - when you received notice of the judgment. Consider talking to a bankruptcy attorney, who can give you advice on all kinds of debt relief options.
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You need to go to the courthouse and get a complete copy of the court file that has the judgment against you. Without a thorough review of this file, no attorney will be able to tell you that bankruptcy is your only option. However, based on your story as you told it in the question (including the fact that you "filed a motion [your]self to open and set aside default judgment"), I am somewhat pessimistic that you would have a non-bankruptcy option. However, like I said earlier, no one can say that definitely without a review of the file.
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You are in a difficult situation. You need a lawyer and i suggest you contact one
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