If I received a summons from court from a debt collector, can that debt collector garnish my wages from my checking account
2 attorney answers
All of what I am about to say is based on assumptions. They may be wrong. A lawyer in your state should be able to help after reviewing the paperwork.
It sounds like you received a lawsuit and did not answer it and now that lawsuit is a judgment against you.
By not responding, you may have admitted all of the allegations in the lawsuit.
In many states a judgment allows them to garnish (take) your wages and take money out of your bank account and take your personal property and put a lien on your land.
You may want to talk with a lawyer immediately to see if you can have the judgment set aside and negotiate something and also see if you can countersue for violations of the FDCPA if there are any.
This answer is not intended to provide legal advice and you should always consult a qualified lawyer in your state who has had the opportunity to discuss all aspects of your matter with you and review all applicable documents before making any decisions on your matter.
It really depends on State law whether or not a creditor can garnish pay and/or bank accounts. Many states exempt certain property from garnishment, however, you may have to file for a claim of exemption through the State Court. Further, if you are experiencing financial difficulty bankruptcy may help. I would suggest contacting a bankruptcy/debtor attorney in your area for a consultation. Many attorneys do not charge for a consultation.