How is collection account related to judgment?

[ImaBird]

I have a judgment on my CR from Palisades.

If I were to DV Palisades, and they couldn't validate, could/would this affect my judgment?

Thanks.

[jq26]

A judgment means you were sued and they won. I could be wrong, but I think the time for DV has passed. They now have a legal right to collect on the judgment amount by whatever your state law allows. Watch your bank accounts.

[ImaBird]

The judgment was from a year ago, and they still haven't garnished me or frozen any accounts...

[flacorps]

Those accounts must be in another state with a bank that doesn't have branches in your state and that didn't pull a hard to have an account opened for you, and you moved money to them using money orders or cashier's checks rather than writing anything directly from your accounts or wiring anything over there. That's why they haven't had any luck finding them. Right?

[ImaBird]

Actually, the bank that I used when the judgment was granted is about 4 blocks from the bank that they tried to garnish me from... and I opened the cc account in the same county that I currently reside in.

I paid my cc bills with checks, but I don't have that account anymore. I've NEVER had an account with the bank they tried to garnish from. They tried to garnish through Chase Bank, and I've only ever had a Chase cc.

Also, both my bank and the bank of garnishment are within walking distance from my house...

[flacorps]

They could get smarter.

But a debtor could make it tougher.

[ImaBird]

What, pray tell, are you suggesting?

[flacorps]

Accounts in out of state banks with no local branches are harder to reach. A UEFJA filing generates notification to the debtor that averts surprise account freezes. You can stay a step ahead...