Consumer Protection Law

Consumer protection law questions? Ask a lawyer now.

Ask a Lawyer,
Get an Answer ASAP!

I have just received a summary judgement against me for

Customer Question
$3,700. I asked the...
I have just received a summary judgement against me for $3,700. I asked the court initially for at trail date and wrote to the judge the amount is too high after I received a discovery from the debt attorney. I only owe $2,000.
I was given a trial date and next thing I know the debt collections attorney changed dates and motions so many times it got too confusing. The trial was set for this April 2016, but in the mail I just received I have no trial date now -and a summary judgement is now filed against me, case closed.
My questions are:
If I move my bank account out of Wells Fargo, and place it on an online bank that is out of state (of New Jersey) can the judgement still seize an out of state bank account - online - if they find it?
I also have a credit card with Wells Fargo, can they seize that also?
Two, what type of assets do I need to be concerned with; i.e. my vehicle? a lien on my house? What else?
Three, is there a step I should take next to offer to make payment to this debt since I cannot afford to pay it off entirely?
Any other thoughts and advice I would greatly appreciate.
Thank you.
Submitted: 2 years ago.Category: Consumer Protection Law
Show More
Show Less
Ask Your Own Consumer Protection Law Question
Answered in 14 minutes by:
1/31/2016
Consumer Protection Lawyer: Dwayne B., Lawyer replied 2 years ago
Dwayne B.
Dwayne B., Lawyer
Category: Consumer Protection Law
Satisfied Customers: 34,389
Experience: Practicing for over 20 years and handled many cases and trials for consumers.
Verified

Hello and thank you for contacting us. This is Dwayne B. and I’m an expert here and looking forward to assisting you today. If at any point any of my answers aren’t clear please don’t hesitate to ask for clarification. Also, I can only answer the questions you specifically ask and based on the facts that you give so please be sure that you ask the questions you want to ask and provide all necessary facts.

If I move my bank account out of Wells Fargo, and place it on an online bank that is out of state (of New Jersey) can the judgement still seize an out of state bank account - online - if they find it?

Yes. They may have to go through an extra procedure to do it but it can still be subject to the enforcement of a judgment.

I also have a credit card with Wells Fargo, can they seize that also?

I don't see how. A credit card doesn't have any value in and of itself and they can't force you to use it and incur debt to pay them.

what type of assets do I need to be concerned with; i.e. my vehicle? a lien on my house? What else?

Any assets you have are subject to a seizure in the right circumstances. The only exceptions to this are Social Security benefits, public assistance benefits, public pension benefits, annuity benefits up to $500 per month, and some life insurance benefits.

is there a step I should take next to offer to make payment to this debt since I cannot afford to pay it off entirely?

The best thing to do is to go to a lawyer that does bankruptcy and let them write a letter offering a settlement amount and hinting that you may file bankruptcy if they don't accept. Even if you don't actually intend to file bankruptcy the fact that the letter is coming from a bankruptcy attorney and so they will know you have looked into it will often cause a settlement.

Ask Your Own Consumer Protection Law Question
Was this answer helpful?

How JustAnswer works

step-image
Describe your issueThe assistant will guide you
step-image
Chat 1:1 with a consumer protection lawyerLicensed Experts are available 24/7
step-image
100% satisfaction guaranteeGet all the answers you need
Ask Dwayne B. Your Own Question
Dwayne B.
Dwayne B.
Dwayne B., Lawyer
Category: Consumer Protection Law
Satisfied Customers: 34,389
34,389 Satisfied Customers
Experience: Practicing for over 20 years and handled many cases and trials for consumers.

Dwayne B. is online now

A new question is answered every 9 seconds

How JustAnswer works:

  • Ask an ExpertExperts are full of valuable knowledge and are ready to help with any question. Credentials confirmed by a Fortune 500 verification firm.
  • Get a Professional AnswerVia email, text message, or notification as you wait on our site. Ask follow up questions if you need to.
  • 100% Satisfaction GuaranteeRate the answer you receive.

JustAnswer in the News:

Ask-a-doc Web sites: If you've got a quick question, you can try to get an answer from sites that say they have various specialists on hand to give quick answers... Justanswer.com.
JustAnswer.com...has seen a spike since October in legal questions from readers about layoffs, unemployment and severance.
Web sites like justanswer.com/legal
...leave nothing to chance.
Traffic on JustAnswer rose 14 percent...and had nearly 400,000 page views in 30 days...inquiries related to stress, high blood pressure, drinking and heart pain jumped 33 percent.
Tory Johnson, GMA Workplace Contributor, discusses work-from-home jobs, such as JustAnswer in which verified Experts answer people’s questions.
I will tell you that...the things you have to go through to be an Expert are quite rigorous.

What Customers are Saying:

Mr. Kaplun clearly had an exceptional understanding of the issue and was able to explain it concisely. I would recommend JustAnswer to anyone. Great service that lives up to its promises!

Gary B.Edmond, OK

My Expert was fast and seemed to have the answer to my taser question at the tips of her fingers. Communication was excellent. I left feeling confident in her answer.

EricRedwood City, CA

I am very pleased with JustAnswer as a place to go for divorce or criminal law knowledge and insight.

MichaelWichita, KS

PaulMJD helped me with questions I had regarding an urgent legal matter. His answers were excellent.

Three H.Houston, TX

Anne was extremely helpful. Her information put me in the right direction for action that kept me legal, possible saving me a ton of money in the future. Thank you again, Anne!!

ElaineAtlanta, GA

It worked great. I had the facts and I presented them to my ex-landlord and she folded and returned my deposit. The 50 bucks I spent with you solved my problem.

TonyApopka, FL

Wonderful service, prompt, efficient, and accurate. Couldn't have asked for more. I cannot thank you enough for your help.

Mary C.Freshfield, Liverpool, UK

< Previous | Next >

Meet the Experts:

Infolawyer

Infolawyer

Lawyer

7,125 satisfied customers

Licensed attorney helping individuals and businesses.

Ely

Ely

Counselor at Law

3,436 satisfied customers

Private practice with focus on family, criminal, PI, consumer protection, and business consultation.

Barrister

Barrister

Lawyer

1,679 satisfied customers

Attorney,17 years experience in consumer protection areas

P. Simmons

P. Simmons

Lawyer

1,227 satisfied customers

16+ yrs. of legal experience.

LADY LAWYER

LADY LAWYER

Lawyer

748 satisfied customers

Consumer Lawyer

RGMacEsq

RGMacEsq

Lawyer

604 satisfied customers

Licensed Texas General Practice Attorney

RobertJDFL

RobertJDFL

Lawyer

517 satisfied customers

Experienced in multiple areas of the law.

< Previous | Next >

Related Consumer Protection Law Questions
I had a judgement vacated but case was not dismissed. The
I had a judgement vacated but case was not dismissed. The plaintiff asked for interrogatories and trial in Oct. I filed 8/11 a motion to dismiss because no summons was ever served, fdcpa violations, n… read more
Infolawyer
Infolawyer
Lawyer
Doctoral Degree
7,125 satisfied customers
I have a erroneous accounting problem at Wells Fargo Bank
I have a erroneous accounting problem at Wells Fargo Bank and per set bank card identification theft also bank fraud plus theft of my money someone has gained access to my Wells Fargo Bank Credit Visa… read more
LegalGems
LegalGems
Juris Doctorate
12,735 satisfied customers
Five years ago, because I had too much credit card debt, I
Five years ago, because I had too much credit card debt, I contracted with Pinnacle Law Group to negotiate settlements on my behalf with the debtors, Wells Fargo Bank. All but one account were settled… read more
Dimitry Esquire
Dimitry Esquire
Attorney at Law
Doctoral Degree
113 satisfied customers
I have a private student loan with Wells Fargo and I
Hello, I have a private student loan with Wells Fargo and I have been unemployed the past 2 years and I was making as many payments as I could. The last payment I made to try and bring my account back… read more
Barrister
Barrister
Lawyer
Doctoral Degree
1,679 satisfied customers
A creditor is suing a debtor for a past due debt. The creditor
A creditor is suing a debtor for a past due debt. The creditor filed the lawsuit at the end of July. To prepare for trial, the debtor was going to request Discovery (signed agreement and itemized list… read more
Law Pro
Law Pro
Doctoral Degree
19,000 satisfied customers
i live in ca, and i owed 14,000 to wells fargo, My credit report
i live in ca, and i owed 14,000 to wells fargo, My credit report has Wells Fargo listed with a ph number I called that number its WF, and they give me anohter number which is the 2nd colection agency … read more
LegalGems
LegalGems
Juris Doctorate
12,735 satisfied customers
How can I strike a Junk Debt Buyers questionable and incomplete
How can I strike a Junk Debt Buyer's questionable and incomplete evidence during discovery?… read more
PaulmoJD
PaulmoJD
Attorney At Law
Doctoral Degree
106 satisfied customers
Hello again...well we completed Discovery and the court granted
Hello again...well we completed Discovery and the court granted leave to file for summary judgment within fifteen days of completion of discovery which was october 1st...I just realized after further … read more
Dwayne B.
Dwayne B.
Lawyer
Juris Doctor
34,389 satisfied customers
My Wells Fargo checking account showed a withdrawal
Today a withdrawal showed up on my Wells Fargo checking account (California) with "DDA Checking Debit Funds via 1LLG" in the amount of $237. Called WF legal dept. and was told that it was a legal docu… read more
MShore Law
MShore Law
Doctoral Degree
1,233 satisfied customers
being sued by collection agency, went to court they filed continuance
being sued by collection agency, went to court they filed continuance because i hadn't answered discovery, i asked for discovery also but asked late so it was denied...but court is still sched for end… read more
PaulmoJD
PaulmoJD
Attorney At Law
Doctoral Degree
106 satisfied customers
My husband owns his own LLC (in New Jersey) and our accounts
My husband owns his own LLC (in New Jersey) and our accounts were just levied due to a lawsuit. The judgment is against my husband's business, as well as my husband personally, so the collector was ab… read more
HCLegal
HCLegal
Partner
Doctoral Degree
429 satisfied customers
My friend was sued in Alabama Circuit Court.The suit is captioned
My friend was sued in Alabama Circuit Court.The suit is captioned with the plaintiff Discover Bank. The attorneys who filed the suit are debt collectors. FYI, she is 84 years old and cosigned for her … read more
Dwayne B.
Dwayne B.
Lawyer
Juris Doctor
34,389 satisfied customers
I had a civil summons filed against me on 8/12/08 over a credit
I had a civil summons filed against me on 8/12/08 over a credit card debt. The plantiff is a third party debt collector and has a law firm do their work. I received a notice that my lawyer left the fi… read more
J.Hazelbaker
J.Hazelbaker
Doctoral Degree
4,367 satisfied customers
I am being sued by a Credit Card company/bank in Texas. I need
I am being sued by a Credit Card company/bank in Texas. I need a legal plea to the judge for help end the compounding interest and a reasonable repayment schedule… read more
HCLegal
HCLegal
Partner
Doctoral Degree
429 satisfied customers
I was sent a judgement letter in December 09. I sent a request
I was sent a judgement letter in December 09. I sent a request for verficiation of debt within 30 days. Nothing was ever returned. In Late April I received a letter notifying me of trial by judge on M… read more
Dwayne B.
Dwayne B.
Lawyer
Juris Doctor
34,389 satisfied customers
My husband purchased a used truck in 2001 and defaulted on
My husband purchased a used truck in 2001 and defaulted on the loan. He was obligated to pay Wells Fargo Bank but with a financial hardship hitting our family of 6 we could no longer pay for the vehic… read more
Jack R.
Jack R.
Partner
Juris Doctor
6,136 satisfied customers
I have a account with Chase bank, on the 3/31 chase transfured
I have a account with Chase bank, on the 3/31 chase transfured 929.00 from the account. Called and found out it was from a account in wells fargo bank that closed in 2008. It was a overdraft in Wells … read more
Barrister
Barrister
Lawyer
Doctoral Degree
1,679 satisfied customers
Hey Law Girl it just so happens that I have a pre-trial ...
Hey Law Girl it just so happens that I have a pre-trial hearing today at 1:15 p.m. and this is the situation, In may of 2003 I opened an account with fleet credit card services and then proceded to us… read more
Lawgirl
Lawgirl
Founder
Doctoral Degree
4,606 satisfied customers

DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.

The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).

DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.

The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).

Show MoreShow Less

Ask Your Question

x