Can a credit card company or medical collection garnish a bank account in MY name if the debt is in HIS(my husband) name? We both lost our jobs about 9 months ago. My husband has found work and had been working for 5 months but we have two children and are still playing catch up.(we basically had no job for 4 months first ever in our lives we didn't work) We are also in jeapordy of losing our home. i was able to pay the payments for a while with our savings... but that went fast! When we first started getting into trouble I called the 2 credit cards(both capitol one) And explained the situation and said I could make the minimum payment, but it would be a few days after the grace period(but not 30 days late)so I thought everything was fine and made the payments when I said i would. Well, they charged us 2 $39.00 late fee charges. Because we were maxed out, these charges then put us over our limit and then they charged 2 more $39.00 charges for the over the limit fees!!! By this time the minimum payment was too high for me to pay. I repeatedly called them to ask if they would remove the fees so I could pay my minimum payment and they wouldn't. I know this may not sound like a lot to some people, but when you have no income coming in over 120.00 on each card was something i did not have at the time. So i couldn't make the minimum payment. Now we can make our regular payment(which was only 30.00) but with fees they are now saying our minimum payment is 380.00!!!! Keep in mind, these credit cards only have a $500.00 limit and they are saying we now owe $880.00. Now they have sent us to collections( it has been 4 months) and this guy told me they would sue us or garnish our bank accounts!! Can they do that?
It is NCO collections. I said I would make payments, but they are not willing to accept what i can pay. PLEASE ANY ADVISE? I Am going crazy from the 5-10 phone calls a day! And WORRIED! Thanks

