QUESTION

Details on wage garnishment notice

Asked on Jan 04th, 2013 on Debtor and Creditor - Texas
More details to this question:
I just recieved a notice of garnishment, and the legalese is confusing me. It lists two different banks along with my name. One bank is the original loan company I obtained an auto loan with. I'm not sure why the other bank is there, but they are listed as the garnishee while I am listed as the judgement defendant. The sum is for a car I voluntarily gave up to the creditor. I do not dispute that I owe the amount, just haven't gone through any of the processes to deal with it before now. The eight grand originally owed is now up to thirteen with attorney fees and interest. This all began in 2009. I'm just confused. The Texas law states that I shouldn't be able to have my wages garnished for anything unless its student loans or child support...this is neither. So can they really do this? Can anyone tell me why the other bank is involved at all? And why are they listed as being on "my side" when I don't currently bank with them? Should I contact the lawyers listed on this judgement as being the representative of the bank I am sided with? Any advice is greatly appreciated.
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1 ANSWER

Adoptions Attorney serving Houston, TX at The Bergman Law Firm
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The creditor has received a judgment against you, probably by default. You were sued, served and did not answer the lawsuit.  (Lately I have been seeing more and more of these, and have NEVER seen them before.) Depending on the rest of your finances, you might negotiate with them, or take other legal steps, like filing for bankruptcy.  Let me know if I can help. 832.379.4401
Answered on Jan 13th, 2013 at 11:50 AM

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