Nov 12, 2012
Oh really? They just decided to 'garnesh' your wages huh? Maybe you could elaborate on that a bit. When did you receive your summons? Where did you appear in court?
To attach any income a court order must be in effect. A bottom-feeding debt collection agency does not just decide to garnish your wages. You must be legally served first and then appear in court. Failure to appear may result in a default judgement, but that's highly unlikely seeing as how 3rd rate collection agencies are far more terrified of courtrooms than any debtor is likely to be.
Shills patrol these sites hoping to drop a hint occasionally that might make there firm look legitimate. Never works. There are those of us here that, for whatever reason, have decided that B.S. artists have no place in the collection industry. Debts are a sad but real part of life. They should be paid if at all possible. To the legitimate creditor or the legitimate owner of the debt. NEVER pay a debt without first getting valid proof that said debt is owed and is valid. DEMAND a written letter of validation to be supplied to you, by mail (NOT E-mail), within 5 days of first contact with someone claiming to be collecting on a debt. Log and record all calls at home or at work if permitted in your state. Google 'Recording phone calls'. Most states use a 'One-party' rule. A few use a 'Two-party' rule.
Educate yourself on your rights as a consumer. Learn about the laws regarding the Fair Debt Collection Practices Act (FDCPA). Familiarize yourself with the frauds, scams and scare tactics that are used by bogus debt collectors.
I can assure you that 95% of the debt collectors who call you will promptly hang-up when a Letter Of Validation is demanded, especially when they are told that the call is being recorded. If you are being harassed at work explain to the boss what is going on. Have him see to it that calls are logged and, if possible, recorded. These parasites have been getting away with this sort of thing for far too long. It's time to haul them into court and shut them down.