You go to court and your lawyer is victorious! See? The system totally works! The bank is ordered to return to you the $19,900 Libertaria monetary units they stole. They get to keep the $100 units for setting up the account since they did fill out a piece of paper saying the account was set up after all and the free market dictates that they get paid for their work. The court deals with these banks all of the time, so they award no damages to you. If they awarded damages then the banks would take their business to another court, so as part of their negotiations with banks, the court will not assess any damages to banks.
In total the cost was $1,900 in court fees, $11,000 in lawyer fees, $5,000 for the private investigator, and $2000 in other surcharges and the bondsman's fees. You end up with a total of $0. Also you get a notice that in spite of the ruling, the bank is expecting you to pay the fees for having an account that is below the minimum balance.
When you go into work the next day, you're supervisor fires you. This might be the first time you had missed work, but the company has a policy of not giving sick time and this was not one of your 2 annual approved non-paid vacation days. The company is very strict on this policy. The company has also blacklisted you from working in the same field. You still need to pay your mortgage. What do you do?
Find another job or two and work harder! You can keep your house!
Give up, the economy is rigged.
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