If you don’t pay your bills, your accounts will eventually fall into collections. At that point, the collection calls pick up in intensity. In my San Diego credit card debt settlement practice I’m often asked by potential clients if their bank accounts are at risk of being frozen by their collectors. In California it’s not that easy. Before a creditor can levy on your bank account, they must first file suit and get a judgment against you prior to using such tactics such as a bank levy to collect on that judgment.

Unfortunately, many people will ignore a lawsuit because they are scared. Getting served with a lawsuit can be intimidating and fear of the unknown keeps many from taking action. The first thing you should do if you get sued is to contact an attorney to discuss your options. Ignoring the suit is the worst thing you can do, because it gives your creditor the easy victory and several options to collect on that judgment. Even if you think the creditor has a slam dunk case against you, it may be possible to at least slow down the process.

Hiring a debt attorney to avoid a potential bank levy

No, you might not be able to beat your creditor in a lawsuit. But employing an debt attorney to represent you could help you settle the case to terms favorable to you or slow down the process to avoid a potential bank levy. The important thing to know is that your creditor has a process they must go through prior to freezing or levying on your bank account. Educating yourself on your options is key. Sure, you may owe the money the creditor claims is due. But shouldn’t you know your options before they get an easy court win against you without you putting up a fight? If you find yourself being sued for an unpaid debt, contact an debt settlement attorney to discuss your situation and determine what options you have available to potentially defend against or settle the suit. Don’t let them get the easy victory and access to your bank account. Options exist to avoid a bank levy.