I am on social security disability since 12/2012. I got a large lump sum back pay and $1592.00 per month. I have kept my bank account perfectly audited in a way that shows no co-mingling of funds and that my account only contains money from SSDI. I know that under section 207 of The Social Security Act certain funds are exempt from being taken from creditors. However, still, on 3/19 a $2,500 Levy came out of my bank account for a medical bill. I started to investigate and got my credit reports
only to find 8 other judgments all from exempt sources. (Non Federal etc). I took action immediately contacting the court, my creditors and my bank. I gave them bank statements and my SSDI award letter with amount. I just got another levy for $6,280.00 and I fought it myself and got a motion to dismiss
and that my story substantiates my claim and the money will be returned to me. I did the same with the other levies and I was just waiting.
My problem and questions revolve around how these judgments could have been granted
in the first place. Is it not true that a creditor must supply me the creditor with sufficient notice of an actual court hearing and date of hearing? I have gotten collection letters, information subpoenas
and warning letters telling me if they are not paid that further action such as a lawsuit may be next. I wait to see if I get a hearing date only then to see all these creditors were just given a judgment by default when I never received any prior notification of a hearing to contest. How can this happen? I live in the State of New Jersey. Is this grounds for a motion to vacate the judgments or at least proof sent to me that a letter of hearing was sent? For the two levies that have already won were issued a writ and I got levied. Like I said I will get my money back for this is illegal. I am very concerned about the other judgments and that they might be granted a writ to take things from me. My car I bought with my SSDI funds for $11,000.00 straight out with no loan
. I understand with a judgment and writ they can also take my car. First, can these judgments be vacated on the grounds that I was never served proper notice of a hearing.
How can a creditor get one in a court without me knowing there was even a court date?
Like I said, my bank and creditors and the court have been sent all appropriate documents warning them. Yet, the court still gave another levy for $6,280.00. Is there any scenario that a creditor can get a judgment and writ without me knowing? I have taken all my money out of the bank except for a couple hundred dollars. What is your insight? Can I sell my car and by a cheaper one that would make it not worth the time for the creditors to take it? Comments?