Can a debt collector take money from my bank account?

In most cases, debt collectors in California cannot take money from your bank account without your permission. Debt collectors are generally prohibited from taking any action to collect a debt that would involve seizing or attempting to seize the consumer’s property without a court order. Under the Consumer Debt Defense Law, debt collectors are forbidden from attempting to collect a debt through a bank account levy - this means they cannot freeze a bank account or take money out of the account without the consumer’s explicit consent. Of course, debt collectors do have certain rights that enable them to take action when an individual fails to pay a debt. If a debtor ignores a judgment from a court, the debt collector may be able to use a wage garnishment, place a lien on the debtor’s property, or even repossess certain items of property. People in debt should always remember that debt collectors can be aggressively persistent in their attempts to collect a debt. If you are being contacted by a debt collector, it is important to understand your rights. Make sure to contact an experienced consumer law attorney to learn more about how Consumer Debt Defense Law in California might apply to your situation.

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