A creditor send a garnishment order to the bank. The order says:
"WRIT OF garnishment
Does that mean that the seized money should not include money you have received from the employer?
Nice try, but that is not what it means. It is just a different "type" of garnishment used to seize funds from someone other than an employer.
Now, Utah's wage exemption "might" apply to money in a bank account if the money in the account can be traced to wages (I don't know, but it is the case in most states). However, the burden is on you to file a claim of exemption with the court that issued the garnishment order and show (with bank statements) that the money in the account at the time the garnishment hit was your wages and that you should retain a certain percentage (the exemption amount).
No, it just means that it's not a garnishment directed to your employer to withhold your wages. A non-wage garnishment can be used to seize money in an account, regardless of whether it came from wages or not. Some types of income remain protected by the exemptions statute (there should have been a notice given to you with these exemptions listed).
No this just means they are garnishing your bank account, all of it, as opposed to doing an ongoing garnishment for 255 of after tax wages. It does not matter that the $ in the account are from wages, even if your wages were already garnsihed. If you have significant debt you should consult with an experienced local bankruptcy attorney. You can find several offices listed here oin AVVO. Try to find one where the attorney will personally spend significant time with you. Many offices spend big $$$ to advertise but then the clients recieve relativily little personal attention form the attorney.
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