Your Guide to Account Freeze Solutions
This site and form are independent and are not affiliated with, sponsored by, or endorsed by Wells Fargo Bank, N.A., Monday Funding LLC, or any other financial institution. Nothing here is legal advice. Sharing your story does not create an attorney–client relationship.
Share What Happened to Your Account
Tell your story if a bank froze or drained your business account because of a legal order or garnishment. Your info helps map patterns, support legal challenges, and build better tools for other owners in the same situation.
Steps to Take When a Legal Order Hits Your Account
When a “legal order” or garnishment freezes your bank account, time and information matter. On this site you’ll find checklists, sample letters, and case updates that show how I responded to a New York judgment used against my Texas account, including filings in Texas state court and complaints to OCC, FDIC, and CFPB. Use these posts as a starting point for understanding the process and for talking with your own lawyer or consumer‑protection agency—not as legal advice.
Freeze Simplified
If Your Account Was Frozen
When a “legal order” or garnishment freezes your bank account, time and information matter. On this site you’ll find checklists, sample letters, and case updates that show how I responded to a New York judgment used against my Texas account, including filings in Texas state court and complaints to OCC, FDIC, and CFPB. Use these posts as a starting point for understanding the process and for talking with your own lawyer or consumer‑protection agency—not as legal advise
Understanding Account Freezes
Learn how a New York judgment and a Wells Fargo “legal order debit” froze my Texas debtor‑in‑possession account, what a legal order is, and why out‑of‑state judgments and domestication rules matter when your bank balance suddenly disappears.
Dealing With Wells Fargo
See the timeline of my communications with Wells Fargo, including “no stance” responses and threats of future debits, and get practical ideas for the kinds of questions and documentation you may want when talking to the bank about a legal order on your account.
Legal Options after a wells Fargo Legal Order
Learn how I’m challenging the Wells Fargo legal order debit in Texas state court and through complaints to OCC, FDIC, and CFPB, and see the different legal and regulatory paths a small‑business owner can consider when a New York judgment or other out‑of‑state judgment freezes a local bank account
Inside the Merchant Cash Advance
See how the Monday Funding merchant cash advance with BroncBuster LLC worked, why these “sales‑based financing” deals can cost far more than traditional loans, and how a New York MCA judgment ended up being used against a Texas Wells Fargo business account that never received the advance.
Can a New York Judgment Grab Your Texas Bank Account?
Get a plain‑English explainer on how out‑of‑state judgments, bank levies, and “legal order debits” are supposed to work, what “domesticating” a judgment in your state really means, and why those steps matter before a Wells Fargo or any bank can freeze and empty a local business account.
Turning One Legal Order Debit Into a Playbook for Other Owners
See how one Wells Fargo legal order debit—from a New York merchant cash advance judgment that was never domesticated in Texas—turned into a step‑by‑step case study on MCA contracts, defective service, foreign judgments, and bank levies, and how that story is now being used to help other small‑business owners spot the same red flags before their accounts are hit.
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