My question involves judgment recovery in the State of: Alabama
I was recently given notice of a default judgement issued against me for a credit card debt. While I was originally served with the summons from the court, I was never notified of a court date. Therefore, a default judgement has been granted. I received notification from the attorney suing me that the judgement had been granted and they wished me to tell them the name of my employer so that garnishment proceedings can begin. I am not in any hurry to do this. I am concerned however that they will garnish my bank account. I am the sole provider for my family, barely making $2500.00 a month. I am only paid once a month and my check is direct deposited in a joint bank account that my husband and I share. As of yet, the creditor does not know where I bank, but did attempt to garnish an account at another bank that I have previous student loans with but never a checking account.
My question is this: Can my joint bank account be garnished for the full amount of the deposit even though it is the sole support for a family of four? I am the only person liable for the debt as this credit card was mine prior to our marriage. How will I be notified of the garnishment? Is there anything that I can do to protect my money such as removing my name from the account?