Tidewater Motor Credit Sprechman and Fisher PA The most recent is file a 23,000.00 garnishment/levy on my checking account without notice Chesapeake Virginia

When you fail to fulfill your legal obligations there are consequences, in your case garnishment of your wages. There is NO RipOff here other than the one you are doing to yourself.

First of all this is a Sub-Prime lender meaning you went into this loan with a history of not being able to pay your bills. The "circumstances" do not matter, the only thing that matters is that you made a legal obligation to make certain payments on certain dates for a specific amount of time. There was NOTHING in that agreement that said you only had to make your payments if you could. This may be a shock for you but they are not a charity or some non-profit who just gives away cars to people. This was your first mistake you bought a car you could not afford and did not think ahead as to the "what if".

Now, you figured that once you couldn't pay you could just turn it in and be done with it. Again that was WRONG, it doesn't matter if you turn it in or they come and get it. Both are still considered a Repossession and as such they(and ANY lender) is legally allowed to come after you for the deficiency balance. If it was really that easy to just walk away everyone would just turn in their cars. 

It wasn't a "procedural" issue that gave them the right to garnish your bank accounts it was laws and YOUR signature on the loan documents that allowed it.

I have no idea what the balance was, but I can tell you that it is unlikely that that $100 a month was even covering the interest charges. So fast forward to 2017. You got the judge to stop the garnishment but they are still legally allowed to attempt other collection methods.

So what this company did was get tired of the $50 chunks and all of the effort so they file to attach your account for the whole thing. Now, I am again sorry to say that this is probably because of YOUR choices. As bad as this may sound had you let them continue to garnish your wages it is unlikely that they would have done this. It is also possible that if you talk to them again they will release the attachment if you make an agreement to start the garnishment again.  As  times companies do this to "get your attention".

By the way since it appears you had a valid judgement the attachment was legal and you will not find a single company that is going to warn you that they are going to attach your account. As the first thing you would have done is empty it and that defeats the purpose of what they are trying to do..collect on a judgement.

There may be a couple of others option which may be a choice for you. First find a way to get more money, such as a second job. A few hours a week could give you enough. If that is not possible then there is always the final option and look at filing bankruptcy which is a legal option you can take.