I am a single mom, on assistance, i'm working to get back on my feet fully, but things like this keep pulling me back. on 1/30/18 a judgement against me was granted to my credit union for a quick cash loan I got for $524 + court costs ect. = around 750$ +/-. The following day, I FINALLY RECIEVED child support after 200+ days of not getting a single payment, he paid $1000.00 on 1/31/18. That same day my credit union just took $803.00 from my account (125.00 was NSF & I took the other $72.00 as soon as I noticed what they did so they couldn't. & they transferred 9$+/- to a checking I apparently don't even have) when I called the collection manager to tell him that what he did wasn't legal, he had to file a writ of garnishment with the courts, and only a judge can grant that for my wages to be garnished, and Child support is exempt from garnishment as far as I understood. He told me I was wrong, and since there's a judgement he can basically do what he wants. They left me with $72.00 I just started a job, haven't been paid fully yet, my cars tires are almost bald, its middle of winter, my daughter needs stuff for school, and I have rent to pay and they stole $803.00 from me in seconds
It was a tragic mistake for you to continue banking with the same credit union where you owed an old debt.
Most credit unions make you sign an agreement when you open your account that they can take money out of your account to cover any delinquency that you owe to them. You are right about the exemption, but it sounds like they took the money under the setoff provisions of your banking agreement - where exemptions do not apply.
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