What to do if a creditor intends to garnish my bank account which is now overdrawn due to a bank fee stemming from the garnishment request?
Question Details: I have been making payments through a third-party debt consolidation service. Can I ask that the court simply allow these payments rather than surrendering my account? It seems like a better alternative.
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Based upon what you have written, if there is no money in your bank account there is nothing to be garnished. The best way to try and resolve the debt issue that you have written about is to agree to make voluntary payments per a written monthly payment plan that you can afford.