"whatamess" wrote in message
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On Apr 14, 10:11 pm, "teachrmama" wrote:
"Bob Whiteside" wrote in message

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"Dusty" wrote in ...
"Bob Whiteside" wrote in message
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"whatamess" wrote in message
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OK, so after being hit by crazy ex-wife and idiot Texas AG, we are
again down to starting over...we have basically lost our good credit,
our savings, and our home thanks to those "a...holes"...

So, we are moving to an apartment, that should be ok if both our
names
are on the lease, I assume since they can't really TAKE the
apartment,
right?

Everything we buy, I will put in MY name, including the cars we will
have the titles tranferred to MY name in case God forbid something
happens and those idiots decide to put a false lien on properties,
etc...

We no longer have joint credit cards...thanks to the a...holes, we
had
to cancel all the joint because the credit cards raised interest when
they put the arrears on his credit report, therefore, making ME have
to pay more in interest, etc...So, all joint cards are now
cancelled...paid off...

I plan to have a separate bank account for me and my son, and one
just
for my husband...he can then give me the cash to deposit into my
account so the crazy AG people can't touch my money...

Any other things that I need to do to ensure the future of our son is
not compromised yet again? We have to pay for many therapies out of
pocket and basically the mess with CS has deprived him of much that
he
would otherwise be able to have...So I need to ensure my money is not
touched and that my DH does not have anything to his name except debt
in any case...

Any help will be greatly appreciated...

Stop auto-deposit of his pay checks so you have control over how,
where,
and how much goes into his accounts.

Do not keep more than $500 in any single bank account that is linked
to
his SSAN. The CSE "sniffer" programs generally look for accounts with
over $500 to make a levy cost effective.

If he needs to have more than $500 available, open multiple accounts
at
different banks to keep the balance under $500 in each account.

When depositing pay checks take back large amounts of cash to deposit
in
accounts in your name or to purchase certified checks to pay amounts
over $500. It is helpful if one of the banks offer free certified
checks on one of their account plans.

I'd keep even less in there then that, say, no more then $50 - just in
case they decide to go for smaller amounts (MA does).

That way you always have cash on hand and, should they suck even the
smaller amount out, you're only out $50 instead of a complete paycheck.

That was my strategy. Deposit close to $500 to cover checks written the
previous day or checks for locally mailed payments I knew would clear in
no more than 1-2 days.

I wasn't suggesting leaving close to $500 in an account over a period of
time for them to find.

One time they hit my account and got $34. I never had them try to levy
my
bank accounts again. It's a game of cat and mouse and CSE figured out
they were wasting their time with me.

They sought a levy on our bank account once, but there was not enough
money
to cover the amount they requested--but the bank charged us $100 to
respond
to the levy request. The levy request was going to be sent every month
until the arrearage amount was paid off--at a cost to us of $100 per month
for the ongoing negative responses. Absolutely asinine, since he was being
garnished for the arrearages each month anyway. You can't even begin to
convince me that this sort of thing is "for the children." It's "for the
power" and "for the greed."



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Wait a minute, so the idiots at CSE requested money from the bank
and when you didn't have it the bank sent you a bill for 100USD???
You are kidding!!! This all has just gotten out of control.

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The banks are required to turn over whatever assets you have in your
account. Then they charge the account holder their service fee for the
garnishment/levy. My bank charged $75 per garnishment. So they take the
full value of your account balance down to zero with the garnishment and
then place you in over drawn status with the fee for doing the garnishment.
If you don't cover the over drawn status within a contractual number of days
they add-on more fees.

I had a savings account garnished and got charged for overdrawn fees every 3
days for not saving enough to bring my balance up to zero. The banks don't
publicize they fees except in the fine print about your accounts.

If your husband has a credit card with his bank he should initiate overdraft
protection tied to his credit card so the fees below the zero balance level
go to his credit card and stop after the initial levy fee.