Can credit card company garnish bank account if in collections?

I just started to go late with my cc payments due to loss of job. I myself don't have money but my mom's checking and saving accounts are all opened under my name and she uses them 100%. Can a credit card company go after my bank account? I would want to warn her if so or else she'd be robbed of her own money. I used to make balance transfer payment through that same account when I had money.

Asked By: Think about it - 11/23/2009
Best Answer - Chosen by Asker
By themselves, creditors/debt collectors have absolutely no legal power over you., they cannot garnish your wages or freeze checking accounts...only a court can authorize this and they’d have to go through the court system to do this. This process takes time.....Generally, creditors don't consider taking legal action... More
Answered By: CatDad - 11/23/2009
Additional Answers (2)
First, garnish is the wrong word. Second, a credit card company can go after bank accounts only if they have sued in court and won a judgment in court.
Answered By: StephenWeinstein - 11/23/2009
It's called the bank's "right to set off" money in your accounts to cover debts owed to the bank... More
Answered By: Dan B - 11/23/2009
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