@Anonymous wrote:First of all to Wonderin: I wasn't aguing with you, sorry if it came across that way.
OMGosh! Too funny!! **I** was worried **YOU** would think **I** was arguing with **YOU**!!!
That's why I kept saying that I wasn't arguing with you!! Since we're just writing back and forth and can't actually hear vocal tones (and the emotional cues and inflections that go with them), I was worried that you'd take my not being able to follow as arguing with you!
Honestly, Demed ... you're one helluva a contributor here. Smart, clever, and a MAJOR advocate for the "little guy" -- I like you and was worried that I might offend you (had that happen to me before). And I did NOT want that to happen!!
Hopefully, it didn't!!!
As to the actual subject, I think I understand now. So I can THINK we're on the same page, let me rephrase what you said (otherwise, I really can't be sure if I DO understand):
The bank can't actually send an account into overdraft simply for the garnishment -- so if I have $4K in my account, they can't take $5K out (a $1K overdraft) to pay for a $5K garnishment order. Right?
BUT, if other debits come through AFTER the original garnishment has been satisfied, THOSE **CAN** be overdrafted, right?
Yikes, I feel stupid. R-e-a-a-a-l-l-y stupid.
Why do I get this overwhelming desire to go and re-check the homework I helped my daughter with????? Or maybe ask my 11 yo to help her???? o_O
Thanks, Demed, HuntingBear and Mickie for explaining it to me .... hopefully, I haven't worn ya'll out with having to teach me!!! 
WOnderin you're scenario actually happened to me so I can speak from experience. My paycheck was deposited at 8am Friday. Checked my balance first thing in the AM - great. Went to the bank to move my money because I was aware at some time the IRS was coming to get me. Got to the bank two hours later and everything was cleaned out - CU had received a letter to garnish (incorrect term) my account. SO I had a zero balance. Then the bills I had paid began to come in that afternoon and thereafter. My account was overdrawn at that point and it was my responsibility to pay the associated NSF fees plus the amount I owed. The biggest slap in the face is that I was also charged a fee for the CU to place the lien per IRS request - I am thinking wow you charge me to process their request ... like I wanted this to happen lol. Anyway, hope this helps with your confusion.
@Anonymous wrote:
@Anonymous wrote:First of all to Wonderin: I wasn't aguing with you, sorry if it came across that way.
OMGosh! Too funny!! **I** was worried **YOU** would think **I** was arguing with **YOU**!!!
That's why I kept saying that I wasn't arguing with you!! Since we're just writing back and forth and can't actually hear vocal tones (and the emotional cues and inflections that go with them), I was worried that you'd take my not being able to follow as arguing with you!
Honestly, Demed ... you're one helluva a contributor here. Smart, clever, and a MAJOR advocate for the "little guy" -- I like you and was worried that I might offend you (had that happen to me before). And I did NOT want that to happen!!
Hopefully, it didn't!!!
As to the actual subject, I think I understand now. So I can THINK we're on the same page, let me rephrase what you said (otherwise, I really can't be sure if I DO understand):
The bank can't actually send an account into overdraft simply for the garnishment -- so if I have $4K in my account, they can't take $5K out (a $1K overdraft) to pay for a $5K garnishment order. Right?
BUT, if other debits come through AFTER the original garnishment has been satisfied, THOSE **CAN** be overdrafted, right?
Yikes, I feel stupid. R-e-a-a-a-l-l-y stupid.
Why do I get this overwhelming desire to go and re-check the homework I helped my daughter with????? Or maybe ask my 11 yo to help her???? o_O
Thanks, Demed, HuntingBear and Mickie for explaining it to me .... hopefully, I haven't worn ya'll out with having to teach me!!!
