Maryland - Exempting Assets from Garnishment
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Posted by KeepinMyCash (68.37.13.231) on October 14, 2003 at 16:54:04:
A judgment credit garnished my checking account in an attempt to collect funds on a debt (though they ended up overdrafting and costing me money). However, I did not receive any notice from the court here in Maryland to appear to defend against this garnishment or that any motion had been granted to garnish my checking accounts. The creditor had gotten a garnishment against me for wages against a company I once owned that is now defunct and my current business is incorporated. Could this be used a blanket garnishment allowing them to garnish whatever they want? Whatever the case, I would like to exempt my bank accounts from garnishment under Maryland law, which I understand allows exempting 'wildcard' assets up to $3,000. Does anyone know how I file a motion to exempt assets? Also, if I open a new account, will this creditor, by using my social security number, which I had to provide in discovery, be able to find the new account and garnish that one as well? Can they garnish my out-of-state account and if so, does anyone know how I find out how and prevent that from happening? Finally, do debtors have ANY real rights after a judgment has been rendered against them? Thanks.
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