About This Project
About This Project This site exists for one reason: to make sure small business owners do not get blindsided the way my wife Amy and I did when a bank honored an out‑of‑state judgment and emptied a business account in a single stroke. After living through it, we are convinced this is not an isolated event, and that other owners are being hit the same way with very little information or support. In October 2025, a New York default judgment that was never domesticated in Texas was used to freeze and seize more than $32,000 from a Texas business account at Wells Fargo, with threats to take roughly $30,000 more. The account sat in Texas, we live and operate our businesses in Texas, and yet a piece of paper from a New York court—based on service that never actually occurred—was treated as a green light to strip out operating funds overnight.
Who We are
Explore our journey and learn how our bank compliance services and bank legal support services have helped others. Stay informed about current financial legal news and bank legal procedures to better understand how to handle legal orders effectively. Whether you're dealing with a Wells Fargo legal order or need insights into Chase legal order processes, we're here to provide financial legal advice and support. Discover FAQs on Wells Fargo legal compliance and new developments in Wells Fargo account freezes to stay ahead of current legal order trends. Spread the word and empower others with the knowledge of financial institution legal compliance.
Who We Are
We are Tyler and Amy Mason. We own and operate A&R Construction LLC and BroncBuster LLC. Like most small owners, we are used to solving problems ourselves and wearing every hat in the business. When the legal order hit our account, we did not have a team of bank lawyers to call. We had to learn fast, document everything, and start pushing back through our own lawsuit in Texas and coordinated complaints to the CFPB, OCC, FDIC, and state officials.
Through that process we realized two things:
The rules that are supposed to protect account holders—domestication under the Uniform Enforcement of Foreign Judgments Acts in many states, state‑specific garnishment and exemption statutes, and even new protections in places like New York—are often ignored in practice.
Many lawyers, regulators, and bank staff are only dimly aware of how those domestication rules and new laws interact with day‑to‑day “legal order debits.”
This project is our way of turning what happened to us into a transparent case study that others can build on.
What This Site Covers
The site walks through what happened to us step by step:
How an undomesticated New York judgment was used against a business account in another state
How the bank over‑collected beyond the judgment amount and continued to threaten more debits
How merchant cash advance contracts, New York restraining notices, and bank “legal order debit” policies fit together
What legal and regulatory options an owner can at least explore once the money is already gone
Each post links to real documents: bank letters, court filings, emails with bank counsel, and complaint letters to regulators, so other owners and officials can see an entire pattern, not just a single notice out of context.
Our mission
Who This Is For
This is not just for Texas owners.
Most states have some form of foreign‑judgment domestication law and their own garnishment, exemption, and notice requirements. Many also have new statutes—like New York’s reforms aimed at limiting abuses of confessions of judgment and protecting out‑of‑state businesses—that are supposed to make it harder for creditors to jump across state lines, yet banks still honor questionable orders because enforcement is weak and policies lag behind the law.
So this site is for:
Any owner whose bank account has been frozen or emptied based on an out‑of‑state judgment or legal order
People dealing with merchant cash advances, default judgments, or “legal order debits” they do not understand
Lawyers, regulators, and staff who want a ground‑level view of how these practices are actually hitting real businesses
You will not find legal advice here, and this site is not a law firm. You will find a real‑world record and practical checklists and questions you can take to your own lawyer or regulator.
What This Site Covers
The site walks through what happened to us step by step:
How an undomesticated New York judgment was used against a business account in another state
How the bank over‑collected beyond the judgment amount and continued to threaten more debits
How merchant cash advance contracts, New York restraining notices, and bank “legal order debit” policies fit together
What legal and regulatory options an owner can at least explore once the money is already gone
Each post links to real documents: bank letters, court filings, emails with bank counsel, and complaint letters to regulators, so other owners and officials can see an entire pattern, not just a single notice out of context.
Guarding Your Financial Well-being
Who This Is For
This is not just for Texas owners.
Most states have some form of foreign‑judgment domestication law and their own garnishment, exemption, and notice requirements. Many also have new statutes—like New York’s reforms aimed at limiting abuses of confessions of judgment and protecting out‑of‑state businesses—that are supposed to make it harder for creditors to jump across state lines, yet banks still honor questionable orders because enforcement is weak and policies lag behind the law.
Why We Want Your Story
Amy and I do not believe our experience is unique. We built this site to:
Share our documents and timeline in one place
Invite other owners to share their own garnishment and legal‑order stories
Compile patterns we can pass on to regulators, attorneys general, and state officials across the country
The more data points we have, the harder it is to dismiss these as “one‑off errors,” and the easier it is for policymakers to see where enforcement is failing and where bank policies are out of step with the laws already on the books.
Support & Next Steps
Has your business account been frozen or emptied by a court “legal order debit,” garnishment, or out‑of‑state judgment?
Visit our Support page to:
Find direct links to key regulators (CFPB, OCC, FDIC, state AGs)
See other documented cases, studies, and news on bank garnishments
Learn how to organize your own documents, timeline, and complaints
We cannot give legal advice, but we can point you to the agencies, resources, and real‑world examples that helped us start fighting back.
Education
How to Use This Site
Start with “What Happened in My Case” to see the full timeline.what Happened in my case
Read “See Emails and Calls” to understand how to build your own record. Emails and Calls
Go to “Legal Options After a Legal Order Debit” and “Turning One Legal Order Debit Into a Playbook” for ideas on organizing your response and talking to counsel.Legal Options to explore
If you have gone through something similar and want to share, use the contact or story‑submission form linked on the site. While we cannot provide legal advice or represent anyone, we can help make sure these stories are documented and visible to the people who need to see them. https://form.jotform.com/253438638510055
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