What should I do if my checking account gets frozen because of a court judgement?

I need some advice. I have an old credit card in default. I've been searching the court records database and I see I have a possible judgment pending. I know there could eventually be wage garnishment, but my main concern is the possibility of having my bank accounts frozen. I want to prepare myself for this happening.





Is a money market account safe? What about Paypal, can that be frozen? What about savings and IRAs?





I've read horror stories about people being left high and dry with no access to money. Besides keeping it in a shoe box, I was wondering where else it would be safe. This way I could continue to pay bills online, etc.





If anyone has any experience with this, please let me know. FYI, I've tried negotiating with the creditor with no resolve, I waited too long. I've never been served, but from what I understand that really doesn't matter, they can still issue a default judgment.





Thanks in advance.
What should I do if my checking account gets frozen because of a court judgement?
Yes they can issue a default judgement; but why not contact the court in question and try and get a handle on it there?





Also check with the court clerk and see if they can even freeze a checking account in your state; it's not possible everywhere.
Reply:Dude: Garnishment from creditors on an unsecured loan (credit cards) does not happen on this side of reality. Stop worrying. Contact the credit card company and tell them that you can't pay and would like a settlement amount. Chances are that they will work with you on this and offer you to settle for $.50 on the dollar, but you must be prepared to pay up within thirty days. Aside from that, you need to be financially responsible or your life will be a horror movie, capice? REAL MEN LIVE DEBT FREE!


That, bro, is the long and short of it.


Mr. M. on "judgment."
Reply:Contact a lawyer. Unfortunately, they probably can freeze your acount. And murphy's law dictates that it will happen at the worst possible time.





Sorry.
Reply:yes, I hired a lawyer, the creditor never showed up in Court, so I got all my money back and the bank reversed the overdraft charges.





Then they placed a Judgement, they can't file a Judgement


without proving you owe the debt. www.creditinfocenter.com


so I sued them back and won. Consult with a Consumer Law Attorney.