A credit card company have placed a lien on my checking vindication what can I do presently to acquire it removed? I had previously been sued by a credit card company and

I had previously been sued by a credit card company and I rewarded off the majority of the balance. I be unable to work for over 2 years after a serious injury and when I was out of use I was unable to salary. Now they are saying that I owe them 3 times the balance on my story and have placed a lien on my checking account for twice what they are dictum the balance is. In the state of IL is it legal to do this?? I enjoy just started back to work and offered to formulate a payment arrangement until I can do better. They will only adopt full payment is what they told me. Would it be better to file liquidation or to just go ahead and pay packet ?? If so who do I pay the bank or the creditor? I do enjoy other bills that will also need to be paid and I dont enjoy much money to work with.

You can other open an account elsewhere.
They may find it eventually and put a lien on it too.
If you purely use the account to cash checks and hold little money in it, they will be unable to return with much and you can pay them when you can.
If you have a LOT of bills and little likelyhood of catching up, a ruin might be the way to go.

If it's based on a court order, you are screwed.

Illinois has a 9% interest rate on judgments.

You might articulate to Legal Aid about the situation. Ask them if they think you may be competent file for a hardship beside the court to have the interest reduced.

If you had be in contact with the creditor in the region of your situation while you were going through it, the judge may(?) look favorably on your harsh conditions case. If you hadn't let the creditor know in the order of what was going on, you may still try it - it's better to try than to file ruin without even trying.

edit

I basically saw your added details, if you have proof that you were surrounded by contact with the creditor on a monthly basis, that might work surrounded by your favor with the judge on a danger case.
Having that proof will show the judge that you enjoy not been willfully dodging the judgment information.

I would be ready to bet you didn't bother to let them know of your situation during the 2 years you weren't working, and now they won't work near you, they just want their money. Bankruptcy is not cheap, and will ruin your credit completely and will remain on your credit record for a highly long time.

Contact one of the credit counseling places and see it they can help you work something out to get the amount owed lowered and salaried off. Good luck.

(How did you support yourself for those two years? Is there no process you could have made some type of payment to the credit card company?)

Oh, by the instrument, there is probably no way to spread out another checking account. I'm sure they would find the court order and narrate you no if you tried to do so.

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File a motion with the court requesting installment payments. Inform the judge roughly speaking your past payment history and problems you own had, and assure that if allowed to may payments in installments you can slake the judgement. show that being forced to pay the entire amount at one time will intrude a hardship on you.

But be warned, if you are allowed installment payments and you crease again, the judge will not be happy.

Also constraint that the creditor detail how they arrived at they amount they are now asking. Even at 9% it still seems excessive.

How much are we chitchat about? If less than $20K consequently pay it off. If over $20K afterwards consider bankruptcy. I say that because ANYONE, and I indicate ANYONE can pay off $20K... a short time ago get a 2nd job, negotiate next to the CC company any reductions if possible, and PAY, PAY, PAY down respectively month.