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My bank account has been leveed! All my money is frozen! What now?!
12 April 2014


Imagine you go to eat at your favorite La Habra, Whittier, La Mirada, or Fullerton restaurant. You are with your friends. You offer to pay for their meals. Then, your card is declined. Nothing can possibly be worse than having your debit card declined or rejected when trying to make a purchase or withdraw cash.

If it occurs, you probably begin to wonder if it was a mistake by the merchant or the bank? Or you may wonder if someone had stolen your identity and you are now another fraud victim. Naturally, you call your bank. After a long hold, your bank tells you that you account has a zero balance and the money you had just a few minutes ago is frozen. Now you are frantically wondering why.

“Sorry you have a zero balance and your money is frozen”

The bank then explains a bank “levee” was placed by one of your creditors you have neglected to resolve an outstanding debt with. The levee filed with the bank originated from the local Sheriff’s Department. The local Sheriff’s Department’s received the bank levee from a court order/judgment the creditor you had neglected obtained previously by suing you. In short, you have had your bank account leveed.

What do you do?!

What do you do? You can let the creditor take the money OR you can file bankruptcy in order to (1) get your withheld money bank; and (2) discharge your credit obligations to that creditor so they do not do this again.

Is this common?

Bank account levees are extremely common. Many people would never think this would happen. Many people have no clue it is coming to them until it happens. Acting promptly is crucial as time is of the essence.

A sense of urgency- you must act quickly

As a debtor, you have ten (10) days from the date the local Sheriff’s Department notified your bank of the levee to file bankruptcy and send notice to the Sheriff’s Department of your bankruptcy filing. By doing this in time, you will be afforded the protection of the automatic stay and you will prevent the bank from transferring your funds to the local Sheriff’s Department who then will send to the creditor.

Blog Zero Balance image

Filing for Bankruptcy takes time

Filing bankruptcy cannot be done immediately; especially if you have a complex case. You must gather your financial documents and meet with a qualified bankruptcy attorney to ensure you qualify for bankruptcy. You must complete a credit-counseling course (usually about one hour online). Filing of the bankruptcy can take several hours to prepare by the attorney. Thus, it is crucial not to wait until the ninth day or the last minute to act. Contacting a qualified bankruptcy attorney and filing for bankruptcy should be done promptly to ensure you are afforded the benefits of the automatic stay and get your leveed funds bank in your bank account where they belong.

A competent and knowledgeable bankruptcy attorney who understands the bank levee collections process will be able to efficiently advise you and ensure your monies are returned. Thus, it is crucial that you select a highly skilled bankruptcy attorney serving your city (Whittier, La Habra, La Palma, Brea, Fullerton, Placentia, Anaheim, Azusa, Diamond Bar, Montebello, Buena Park, Yorba Linda, Anaheim Hills, Orange, Rowland Heights, Hacienda Heights, West Covina, Covina, El Monte, Rosemead, San Dimas, Glendora, Rosemead, Bell Gardens, Norwalk, South Gate, and Pico Rivera). I make it my goal to provide each client the dedicated time and experience to assist the client with his/her bankruptcy.

I proudly serve the following areas and surrounding areas:

Anaheim, Anaheim Hills, Brea, Fullerton, Yorba Linda, Buena Park, Cerritos, Norwalk, Diamond Bar, West Covina, Covina, Pomona, Orange, Santa Ana, Whittier, Placentia, La Palma, La Habra, Fountain Valley, Huntington Beach, Los Angeles, Inglewood, La Mirada, Lakewood, Long Beach, Chino Hills, Chino, Orange County, Los Angeles County, San Bernardino County, Riverside County.

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