They Froze Your Bank Account. Here Is What Comes Next.
Logging in and finding your balance locked is frightening, especially when rent or a car payment is due. If a debt collector froze your bank account in Florida, they used a court judgment to place a levy on the account. A frozen account is not automatically a lost account, and a bank levy attorney in Florida can often get some or all of the money released.
Bryan R. Ramos, PLLC helps people move fast when funds are locked up. Speed matters here more than almost anywhere else in a debt case, because the money sits in limbo until someone acts.
A lot of money in your account may be protected
Not every dollar is fair game. Certain deposits are exempt from collection, including Social Security, many other public benefits, and wages that belong to a head of household. When exempt funds get frozen anyway, which happens often, the firm files a claim of exemption to unfreeze them and works to dissolve the writ of garnishment on the account.
The bank will not sort this out for you. Someone has to raise the exemption in writing and on time, and that is the work of a bank levy defense.
Move before the funds are gone
There is a window between the freeze and the point where the bank turns your money over to the creditor. That window is short. The earlier a lawyer gets involved, the better the odds of protecting the balance and the underlying judgment behind it.
The FAQ
Frequently Asked
Questions
Do not move money around or ignore it, and get legal help the same day if you can. Much of what is in the account may be exempt from collection, and an attorney can file to release those funds. There is a limited window before the bank hands the money to the creditor, so speed is everything.
Federal benefits like Social Security are generally exempt from collection even when they land in a bank account. The problem is that a levy can freeze the whole account first and sort out exemptions later. That is exactly why filing a prompt claim of exemption matters.
Often yes. If the funds are exempt or the judgment behind the levy has a problem, a bank levy attorney can move to release the account and dissolve the writ. The key is acting before the money is turned over.
