That it not true. A request of validation of debt and dispute of the debt letter can be sent (via certified mail) and they must, according to the Fair Collection Practices Act, stop all collection action during this validation period. If you are lucky they can not validate it if you are not lucky you better go to the hearing and try to settle or go to trail. Otherwise you are giving them a "Default Judgment". they are happy and will not thank you.They will do all they can to provoque a default judgment.
Just to let everyone know... I was just served by these people... I have also talked to an attorney and yes they can garnish your wages for 25% of what you bring home each paycheck... I called them just hours prior to being served and worked out a payment plan with them... The guy I talked to is Marcus... So YES they can sue you and garnish your wages ot freeze your accounts...
Just to let everyone know... I was just served by these people... I have also talked to an attorney and yes they can garnish your wages for 25% of what you bring home each paycheck... I called them just hours prior to being served and worked out a payment plan with them... The guy I talked to is Marcus... So YES they can sue you and garnish your wages ot freeze your accounts...
(1) Collectors need the judgment(that is why they try to serve the wrong person and get default judgment when the person does not appear in court). I went to trail hearing with these guys and the person from the company was very happy and marking the numbers for each no-shown that he got that day, he knew he commission was big that day. Collectors will also make difficult for you not to settle so they can get judgment and avoid the hazard of having to get the payments little by little.
(2)Collectors need court order to garnish wages(they can just scan your social security like a jacker can do it). If a collector get a court order which chances are very hight after the judgment is given to them.
Federal Law does not allow wage garnishment if your disposable income per week is less than $175.50. If your disposable income is above $175.50 but less than $234 a week, then the creditor can garnish either the entire amount over $175.50 you earn or can garnish 10% of your gross income. If this disposable income is greater than $234 per week, the creditor can garnish the lesser of the two – either 10% of gross income or 25% of disposable income. Disposable income is the income after deductions of federal taxes and social security benefits, whereas the gross income is the total income before the deductions.
If yo don't have a job they can not take it from any other source of income such as un-employment,or so.
If yo are a Head of Household they can not garnish your salary but you need to file a Claim Head of Household Exemption hearing.
Google the procedure but hurry the benefit has limited time after your salary is garnished.
Question...why is David Borack the idiot when your friend is the one who didn't pay the bill in the first place? I don't understand how that then becomes the colelction agencies problem?! Can someone who does not pay their bills and owes on numerous collections please explain because I genuinely am curious.