So apparently I owed Spiegel/FCNB. I did know about this, I am not denying that at all. What I am not agreeing to, is that there is a judgement against me where they can take the money out of my checking account without notifying me. They dont even have my current name, and I have been married for 2 1/2 years, but yet they are able to take the money out of an account that I share with my mother ( not a penny of it is actually mine- I am on the account as I am POA) without apparently knowing anything else about me. HOW THE HELL IS THIS LEGAL? Especially in todays economy, there has to be some type of laws to protect the underdogs. . .I am not saying we shouldnt pay what we owe. I am saying that we definitely need to be made aware of any actions taken against us. I tried calling this firm a year ago to make arrangements for paying and they wanted some ridiculous down payment in order to do it. If I dont have $5000.00, I dont have $2000.00 either. I am just appalled that this is allowed. What kind of society do we live in where if someone doenst get what they want, they are allowed to just take it? What is even more upsetting that this is being taken out of an account that is really not mine. My name is on it, so I understand that the ruthless insensitive people of the world who do collections really dont care about this technicality. But this account is my mothers. It is HER savings, she does not work and receives SSI and Disability. None of this money is mine. She is homebound, and I am on it only to help her if need be. So of course when I called to inform them of this, their response was "Pay your mother back". This economy is going downhill faster than we know, and under the new administration I am afraid it will only be much much worse. But at least the Javitch, Block & Rathbones of the world will be ok, because that is all that matters isn't it?