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Nagitation Credit Union has refused to release my funds for over 8 years due to my ex husband obligation to HomeDepot and froze my account because he was list on my banking account as a authorized user. I was never listed on his home depot account.

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Location: Mobile  |  Law type: banking & mortgage law attorneys
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I have spoke to the supervisor, several times over the years. I place the bills under national dept release, however, they ganished his wages for home depot. The manager Danny in Mississippi never return my calls or request in person or writing to release my funds. Berna Milton 2515913104

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Legal Solution

The response provided below is specific to banking & mortgage law attorneys in the jurisdiction of Mobile. If the response is inadequate, please submit a detailed inquiry.

Unlawful Account Freezing due to Ex-Spouse's Debt

Having one's personal funds frozen due to the obligations of an ex-spouse, especially when the obligations are not directly tied to the account holder, can be an incredibly frustrating experience. It raises concerns over the legality of such actions, especially when you have no direct involvement in the said obligation.

Relevant Banking & Mortgage Law Sections

For the specific issues raised, one would need to look into the following legal provisions:

  • Banking Regulations concerning joint account holder responsibilities.
  • Consumer Protection Laws related to unfair treatment of account holders.
  • Fair Debt Collection Practices Act (FDCPA) regarding debtor rights.

For a detailed overview of banking and mortgage laws in Mobile, you might want to visit the official website of the Alabama Banking Department.

Potential Solutions

  1. Legal Counsel: The best course of action would be to consult with a banking & mortgage law attorney who can guide you through the legal landscape and your rights as an account holder. Their expertise will help ascertain if the actions taken by the credit union are within the confines of the law.

  2. Documentation: Ensure you gather all relevant documentation regarding your account, the authorized user status of your ex-husband, and any communication (or lack thereof) from the credit union and HomeDepot.

  3. Consumer Protection Bureau: File a complaint with the Consumer Protection Bureau. Their intervention might prompt the credit union to take corrective action.

  4. Mediation: Opting for arbitration and mediation attorneys can provide an alternative way to come to an amicable resolution with the credit union without resorting to extensive legal proceedings.

Average Costs for Legal Consultation in Mobile

Legal Services in Mobile:

  • Initial Consultation - $150 to $250/hr
  • Document Review - $200 to $300/hr
  • Mediation Services - $300 to $500/hr
  • Full Legal Representation - $500 to $700/hr

Please note that these prices are just estimations and can vary based on the attorney's experience, reputation, and demand.

Clarifications and Next Steps

It's essential to get a clear understanding of every aspect of your case. Would you be able to provide a more detailed timeline of events and any previous legal steps you've taken?

For best results in resolving this, consider seeking professional legal counsel to ensure your rights are protected. Don't stay in the dark. Find the right lawyer for your situation.

Important Questions to Consider:

  • Was your ex-husband listed as an authorized user after your separation/divorce?
  • Have you received any written notice or formal communication about the account freezing from the credit union?
  • Did the credit union provide any specific reasons, in writing, for not releasing your funds?

Frequently Asked Questions:

1. Can a credit union freeze my account due to another person's debt?

Typically, an account can only be frozen if the account holder is directly responsible for the debt. However, joint accounts can sometimes be targeted if one party has outstanding debts.

2. How long can a credit union legally hold my funds?

The duration can vary based on the reason for the hold, but indefinite freezing without justifiable cause can be challenged legally.

3. Can I remove an authorized user from my account?

Yes, generally, you can remove an authorized user by contacting your bank or credit union and following their procedures.

4. What if the credit union refuses to cooperate after I've taken legal action?

If a credit union continues to act unlawfully or unethically, they could face legal consequences, penalties, or sanctions.

5. Is mediation a recommended course of action in cases like this?

Mediation can be an effective way to resolve disputes without a protracted legal battle. It's less formal and can be less costly than going to court.

Disclaimer

This content is for informational purposes only and does not establish an attorney-client relationship. It's always recommended to consult with a local attorney about your specific situation.

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Legal question "Nagitation Credit Union has refused to release my funds for over 8 years due to my ex husband obligation to HomeDepot and froze my account because he was list on my banking account as a authorized user. I was never listed on his home depot account." has been changed 1 year 1 month ago. Demonstrate your legal skills and willingness to help and answer right now! Issue is related to the location of Mobile & area of law: banking & mortgage law attorneys.
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"Nagitation Credit Union has refused to release my funds for over 8 years due to my ex husband obligation to HomeDepot and froze my account because he was list on my banking account as a authorized user. I was never listed on his home depot account."

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