Imagine waking up to discover that your joint bank account has been frozen overnight. No warning. No hearing. No chance to explain. Your rent check bounces. Your groceries can’t be paid for. And the kicker? You don’t even owe the debt.
This isn’t a hypothetical. It’s exactly what happens in Kentucky when one joint account holder becomes the target of a bank garnishment. Under Kentucky law, a judgment creditor can obtain a garnishment order ex parte—without notice—and serve it directly on the bank. The bank must freeze the account and report back to the court. The debtor is supposed to be notified, but joint owners who are not judgment debtors? They may never hear a word.
Joint accounts are common—between spouses, aging parents and adult children, business partners, roommates. But what most people don’t realize is that being listed on a joint account puts your money at risk if the other person gets sued.
Kentucky law acknowledges that each joint owner is only liable for the portion of the account they contributed. But there’s a catch: the bank doesn’t know that, and the court won’t guess. The only way to protect your ownership interest is to step forward, make a formal claim, and intervene in the garnishment proceeding.
But how do you do that? What do you have to prove? How fast must you act? What paperwork is needed—and how do you persuade the court that your share of the funds should be off limits?
This guide tackles those questions head-on. It provides the practical tools and procedural roadmap needed to intervene effectively in a Kentucky bank garnishment—to stop your money from being wrongly taken and to assert what is rightfully yours.
Because when it comes to garnishment, silence is not an option—and delay is deadly.
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Thomas Fox, J. D.
Fox Paralegal Services
Lake Cumberland, Kentucky
thomas@foxparalegalservices.com
TEXT ONLY: 502-230-1613
Voice: 606-219-6982
Disclaimer:
This material is provided for general educational and informational purposes only. It is not legal advice. I am not an attorney and do not offer legal representation. Legal information is general and applies broadly; legal advice, by contrast, is tailored to the unique facts of your situation and requires a confidential, attorney–client relationship. No such relationship exists here. Communications with me are not privileged or protected by law. Because laws vary by state and legal outcomes depend on specific facts, you should consult a qualified attorney licensed in your jurisdiction to understand your rights and obligations. If you are currently involved in litigation, I strongly encourage you to seek professional legal counsel.
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