[fabsroman]

See, that is the reason I ask all the questions.

As far as a credit company not accepting partial payment on an outstanding debt, I don't think I would believe that one.

You don't have to worry about making payments on the debt if they garnished the bank account and there is enough money in it to pay the judgment. The way it works in Maryland is that a certain amount of time has to pass before the judgment creditor can take the money. Technically, the judgment debtor has 30 days to respond and assert certain defenses and minimum requirements for living. After that period, if the judgment debtor does not respond the Judge grants the garnishment and enough money is pulled from the account to pay the debt.

Be thankful that there is enough money in the account and that they are not garnishing her wages too. Then you would really be up a creek.

Along with the accrual of interest, credit agreements usually provide for the payment of attorneys fees and costs of collection if they have to be collected through the court system. That is probably what really screwed her. Not only were there fees in Ohio for the initial judgment, but there were fees in New York for the garnishment. Also, how did they get a judgment against her in Ohio if they didn't serve her? She had to have known about the lawsuit to have a judgment against her.

Just more questions for you. Simple solution is for her to pay the judgment off and be done with it.