If a collector attempts to garnish money from the debtor’s account, the bank must first look at the debtor’s account history. It is required that the bank protect two (2) months’ worth of benefits from the creditors. However, if the account has more than two (2) months’ worth of benefits, then the bank can freeze or garnish the extra money. Even then, the creditor cannot garnish the extra money if it is exempt under federal or state law.*
*Federal law for debt collection: FDCPA
*California law for debt collection: CFDCPA
If you have any questions, do not hesitate to seek an attorney.