garnished checking account

[lowet1]

I just recieved paperwork from the sheriff that a credit card company is garnishing my checking account since my husbands name is on it(the credit card was in his name only).I work 2 jobs and am still under poverty level{husband lost his job and it still looking for another}My bank called and wanted to know what I am going to do about my overlimit fees.I get paid once a month and when I put my check in the bank I pay all my bills then.Accoring to my bank they took my whole check and left me nothing.The sheriff gave me guidelines of how much they can take and in my financial situation it said they can only take 25 percent if they can take anything since my check was under $800.The lady at the bank said they can do anything they want and don't have to go by giudelines.Is there anything I can do? The sheriff gave me the state guidelines with my paperwork.So now my kids and I will be without gas/lights and water amoung other things

 

[anaerosmithchic]

is both your names on the account? If so I would suggest (and I am not an atty) that you get your name off that account and open a seperate one without his name on it. I would think that they can't take the full amount off. Did you show the paperwork to the person at the bank?

 

[lowet1]

I talked to the lady at the bank again and she said the guidelines were for if I worked for them,they can take all of the money and leave me with nothing to live on.She said it's not her problem and it doesn't matter to her if we end up in the streets. So my next check is not going to them I will cash it at Wal Mart and open a account in just my name at another bank