 TITLE: What Is Right of Offset? CONTENT: How to Respond to a Right of Offset\n-----------------------------------\nIf a bank or credit union legally pulled money from your account to cover a debt, such as an overdue payment on an auto loan, then there's not much you can do.\nBut you can prevent further offsets by making sure you're up to date on paying the debt. Another way to avoid offsets: Move your checking account, savings account or CD to a different financial institution—one where a lender can't touch your money under a right of offset scenario.\nIf you think a bank or credit union has wrongly taken money from one of your accounts to cover a debt, you might consider consulting an attorney about your legal rights. You also might contact the federal Consumer Financial Protection Bureau, the Consumer Assistance Group within the U.S. Comptroller's Office or the consumer division of your state attorney general's office. END