Exempt Bank Accounts South Carolina

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what bank accounts are exempt from garnishment from a credit card judgement in South Carolina
In South Carolina, certain types of funds are exempt from garnishment:
- Social Security benefits
- Veterans' benefits
- Disability or illness benefits
- Retirement benefits
Please note that there might be other exemptions. Always consult with a local attorney to fully understand your rights.
is a joint account between a married couple exempt
In South Carolina, a joint bank account is generally not exempt from garnishment. However, the funds can only be garnished to the extent of the debtor's ownership share. This can be complex if both spouses contribute to the account. It's advisable to consult with a local attorney for clarity.
if the person with the debt has no income in a joint account what can be done
If the debtor has no income in the joint account, typically, the creditor cannot garnish the account. However, this can be complex and may depend on specific circumstances. Consult a local attorney for personalized advice.
if tehendebtor with the joint account is awarded disability can disability payments be garnished
In South Carolina, disability benefits are generally exempt from garnishment. However, if the disability payments are mixed with other funds in a joint account, it might become complex. Consult a local attorney for clarity.
If my husband and I have a joint account and I have no income and have applied for disability so the only income in the account is his if I’m in default on credit cards and they obtain a judgement can they garnish the joint checking account with my husband even though i have no income
In South Carolina, generally, if the only funds in the joint account are from a non-debtor spouse, those funds typically cannot be garnished. However, it's essential to consult with a local attorney as this may depend on specific circumstances.
in South Carolina aren’t funds illegal to garnish anyways
In South Carolina, not all funds are exempt from garnishment. However, certain types of income like Social Security benefits, Veterans' benefits, Disability benefits, and Retirement benefits are generally exempt. It's always advisable to consult with a local attorney for a full understanding of your rights and exemptions.
in South Carolina can credit card debt garnish your wages
In South Carolina, wage garnishment for credit card debt is not allowed unless it involves situations like unpaid income taxes, court ordered child support, student loans, or defaulted state taxes. Please confirm with a local attorney for more accurate information.
in South Carolina can credit card debt affect a disability application approval
In South Carolina, credit card debt should not directly affect a disability application approval. However, it could potentially cause financial stress that indirectly affects your case. Always consult with a local attorney for personalized advice.
how could credit card debt affect a disability application
Credit card debt itself should not directly affect a disability application. However, if the debt leads to financial stress, it could potentially impact the disability claim indirectly. It's always best to consult with a local attorney for personalized advice.
what is a non debtor on a joint account
A non-debtor on a joint account is a person who shares the account but does not owe the debt. In South Carolina, generally, the funds of a non-debtor in a joint account cannot be garnished for the debtor's obligations.
so if the funds in the joint account are only from the non debtor they cannot garnish account
In South Carolina, generally, if the funds in the joint account are solely from the non-debtor, they typically cannot be garnished for the debtor's obligations. However, it's advisable to consult with a local attorney, as specific circumstances may vary.
if I call and tell my credit card
If you call and tell your credit card company about your situation, what are you hoping to accomplish or ask them? It's important to know your intentions so I can provide helpful information.
if I call and let the credit loans I have know that I have no income AND HAVE applied for disability what can they do
In South Carolina, if you inform your creditors about your situation, they may:
- Temporarily pause or reduce your payments
- Offer financial hardship or debt management plans
- However, they can still pursue collection activities or legal action
Please consult a local attorney for personalized advice.
if I have no income and no assets and am applying for disability what can credit card debt do
In South Carolina, if you have no income or assets and are applying for disability, credit card companies may still:
- Continue to add interest and fees to your debt
- Report the debt to credit bureaus, affecting your credit score
- Potentially sue you for the debt
However, without income or assets, they may not be able to collect the debt. It's advisable to consult with a local attorney.
is it better to let the credit card company know I have no assets and no income or just let them find out through their legal process if they try
In South Carolina, it's typically beneficial to inform your creditors about your financial situation as this may lead to:
- Temporary pauses or reductions in your payments
- The offer of a financial hardship plan
However, it's always advisable to consult with a local attorney before taking action.
can any of my debt affect my husband if we have a joint account if his assets are solely in his name and not mine and he is a non debtor
In South Carolina, generally, if the only funds in the joint account are from the non-debtor spouse, those funds typically cannot be garnished for the debtor's obligations. However, the complexity of joint accounts means it's important to consult with a local attorney.
if I tell a credit card company I have become disabled and cannot afford to pay anything will they leave me alone
In South Carolina, informing your credit card company about your disability and inability to pay may lead to temporary relief. However, they can still report the debt to credit bureaus and potentially pursue legal action. It's advisable to consult with a local attorney for personalized advice.
is it better to let debt collectors know if you are applying for disability and have no income anymore
In South Carolina, it may be beneficial to inform your debt collectors about your situation as it could potentially:
- Lead to a temporary pause or reduction in payment demands
- Encourage them to offer financial hardship or debt management plans
However, they can still pursue collections or legal actions. Always consult with a local attorney for personalized advice.
can my disability income be put into a joint account
In South Carolina, you can generally put your disability income into a joint account. However, if the account gets mixed with other funds, it can complicate matters if a creditor attempts to garnish the account. Consult a local attorney for personalized advice.