Open Question: can they do this without a judgment?

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Can a assemblage authority withhold your checking statement without effort a suite judgment? The think I'm asking is because I no individual hit admittance to my funds. It says I hit set dollars in my slope account, but I undergo I should hit money in there--not a aggregation granted, but some. I thought a assemblage agency(even digit for enrollee loans) had to intend a suite visit to do that, and I thought I had to materialize in suite before that happened.
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