<prompt> Human: Im a college student with my main banking account tied to my parents names. I dont really have much to explain, as the title explains it all, however I just am looking for helpexplanations as to why they are able to touch Federal Grant money specifically granted to me because I am in need.We will be calling the company this following morning to hopefully attempt to get it back. In the meantime, should I be looking at getting a lawyer so if they dont give it back I at least have a chance? Or am I screwed.Assistant: How long ago did the levy take place? Most states have levy laws that give notice. For example, in California the levying officer generally the Sheriff takes and holds the funds and a 15 day notice is given to the levied party. They have 15 days to file a claim of exemption. If the funds are traceable as your Pell Grant funds, a Claim of Exemption would stop the process unless the judgment creditor files an Opposition. If they oppose the Claim of Exemption, a judge holds a hearing and decides if the funds are collectible. If you are outside the deadline, the funds get released to the judgment creditor and your only recourse is to go after your parents which you probably dont want to do. But if the deadline has not yet passed, a Claim of Exemption might be possible. Also note that the general process is similar in most states, but timelines and the like can differ. Talking to a local attorney might help. Also try rlegaladvice. Human: 0 notice was given. My Pell grant was deposited this morning and the garnishment took place without warning this afternoon.  <response>: I am thinking that you personally probably got no warning but that your parents likely have had loads of warnings that garnishment of their accounts was going to happen. 