I just started a new job that requires direct deposit, as the company does not issue paper checks. Because I am unable to have a bank account due to creditors' judgments, the only other option that my company has provided me is a payroll debit card.
My problem is that my student loans are in default and the government is going to be taking the funds when the account is found (with other creditors waiting for their share). I plan on filing bankruptcy as soon as I can get the money together, but I am worried that my money will not reach me because of my credit issues.
I am not worried so much that my paycheck will be garnished - that won't be a big deal. But is the remaining balance of my check now fair game because the funds are transferred to an account (the prepaid debit card)? If so, how will I get paid?
If anyone can please advise me on what I can do, I would greatly appreciate it. I live in New York City. Thank you in advance.