Judgment and garnishment

iVillage Member
Registered: 07-02-2005
Judgment and garnishment
Fri, 04-03-2009 - 11:06am

My husband had a judgment against him for a credit card he defaulted on. The creditor got permission to garnish his income tax refund in Michigan. We then moved to Illinois. I expected that the income tax refund would go directly to the creditor, but it was just direct deposited in our account. How is this supposed to work? If the judgment isn't good in IL then I could take a settlement offer they recently mailed me for 50% off the debt, but if it is then am I supposed to mail them a check for the amount of his refund?

I don't understand why it got direct deposited -- can they still take it out of the account, or would they need another judgment to do that?

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Community Leader
Registered: 07-26-1999
Fri, 04-03-2009 - 3:29pm

It probably depends on what the exact language of the judgment.