I went to the bank this morning and found that my account had been frozen by Mitchell N. Kaye who I have later found out is not licensed by the city and has a bad rep with the Better Business Bureau. This stems from a 1991 credit card bill for a little over $1800 which is over $4000 now. The collector claims this is the result of a judgment against me in 1994. I never received a summons to go to court. I had already moved from the address they had, and even if I hadn't it was a rooming house and anyone could have gotten the summons and not given it to me. In recent days, I have not received anything stating that the judgment was going to be placed. I spoke to the company today and even though I dispute the amount offered a payment plan so my funds could be released. My rent is due tomorrow, and my money is all tied up. All he said was "Can you borrow the money from someone?" Over and over again. Then, he refused to work out a plan with me and told me that he will wait til Friday to see how much is in my account before he releases it. Now, I have direct deposit. I received some free legal advise and was told to stop it which I did. I begged this man to be understanding but all he said was "Don't call me until Friday. I won't speak to you until then." I feel this is unfair if I am willing to make a plan. I even told him to garnish my salary, but he refused. What recourse do I have?