Consumer Protection Law

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I need to know how I can protect my bank account against a…

I need to know how...
I need to know how I can protect my bank account against a levy from an insurance company who is seeking payment in a suit where I was the at fault party in an car accident while having no insurance on my vehicle
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Answered in 2 minutes by:
3/13/2018
Loren
Loren, Lawyer
Category: Consumer Protection Law
Satisfied Customers: 39,341
Experience: 30 years experience in general legal matters.
Verified

Have they obtained a judgment?

Do they know where you bank?

Have you considered filing for bankruptcy protection?

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Customer reply replied 5 months ago
they have filed for a default judgement . I assume they do not know where I bank but wouldn t that info be easy for them to find out? I do not have a job at the present and most of my creditors on my report are hospital bills and two credit cards from many many years ago
Customer reply replied 5 months ago
what are the criteria I have to meet to file for bankruptcy in north Carolina and how do I start the process

You need to defend the suit and not let them obtain the default judgment.

You should file a response asking that your technical default be excused and you be given leave to file an answer to the complaint. You can then answer with a general denial and force them to prove the claim. You can them try to leverage the defense into a settlement.

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Customer reply replied 5 months ago
they already filed the judgement how do I stop it

You will need to file a motion to vacate the default as soon as possible.

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Customer reply replied 5 months ago
you are great no one else given me this suggestion . thank you very much ! how do I file a motion and with whom ? I will get this done first thing in the morniing

You would file with the clerk of the court, set a date with the judge's clerk and serve it on the other side's attorney, along with the notice of motion.

You are very welcome.

If you have no further questions, and have not yet done so, please remember to leave a favorable rating (click 5 stars in the rating section on this page). It is the only way that I am credited by JustAnswer for answering your question.

There is no additional charge to you for rating me favorably.

A bonus is not expected, but is always appreciated.

Thank you for using JA.

Loren

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Customer reply replied 5 months ago
first file with the clerk a motion to vacate the default and ask for a leave to answer. then set a date with judge to defend myself aand serve tha plaintiffs attorney with date for court and motion. is this the correct procedure? I just received the papers for a default judgement on last Thursday. how long before its signed in nc
Customer reply replied 5 months ago
r u still there
on the procedure, if the default has been heard and entered by the court.
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Customer reply replied 5 months ago
will do. once again thank you for such helpful, detailed, and informative information . I would rate you ten stars If that was possible! Again thanks a lot . good night
You are very welcome.If you have no further questions, and have not yet done so, please remember to leave a favorable rating (click 5 stars in the rating section on this page). It is the only way that I am credited by JustAnswer for answering your question.
There is no additional charge to you for rating me favorably.
A bonus is not expected, but is always appreciated.
Thank you for using JA.
Loren
Loren
Loren, Lawyer
Category: Consumer Protection Law
Satisfied Customers: 39,341
Experience: 30 years experience in general legal matters.
Verified
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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).

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