<prompt> Human: Today while I was at the gym, I got a text message notification from my bank saying that my available balance was zero dollars. I immediately thought I got hacked into or some sort of thing, so I immediately logged onto my bank mobile app and I saw that my checking and my savings were both at a zero balance. At first I thought it was some sort of glitch. But under transaction history for both my savings and checkings account, some sort of garnishment collection co deducted all of my funds which adds to about 3400. As far as I know I dont know any medical bills or any student loans or anything in that I owe. I have two credit cards but I have paid each month and never missed nor been late on a payment. I have never received any letters about a collection under my name or anything. This literally came up out of nowhere with no advanced notice. I did not know what to do, what should be my first steps to approach this? Update:I went to my bank and after contacting collections office and went through all the talking. Long story short, turned out I was in a joint checkings account with my mother and I guess she had a 7000 collection debt. Therefore it was her money, and ALL my funds were withdrawn. Assholes could care less about me being able to pay bills! Now I wont be settled back to normal until end of April...Thanks for your guys input! Really helped me out.  <response>: At my previous jobs, I was required to lock down customer accounts for garnishments usually child support or credit card debts. Your bank should absolutely have notified you about doing this prior to taking any action. Some things worth noting: -- a garnishment CAN actually take your entire bank balance which I never found to be very fair, but its apparently legal, even if this means you cant pay rent, etc.-- banks work more as the messenger they typically receive a court document and are required to take whatever action is mentioned in the doc -- provided this is a legitimate garnishment, your bank should be able to provide you with a telephone number case number of your garnishment case, so youll be able to communicate and get more infoGood luck! 