yea well it all started out by me not having a job and having to pay the collection agency. they wanted to draft it out of my bank acct. but when it came around that time i didnt have the funds so my bank told me to just close the acct. and i called the a*hole back to tell him. so then he calls my parent's house and leaves messages. so i call him back and we get to talk. then he goes on this rampant about him trying to "help me out" before and now hes just goin to let them garnish 25% of my wages. then i ask him where do i send a money order and he tells me the info and it is to colorado. but the "law firm" he works for is in georgia. and the money order is supposed to go to COLLECT AMERICA. then he says that if i dont pay by the 28th . then they are goin to garnish my wages. the whole time he's being a total a*hole so then i end up starting to curse then he hangs up on me. do i have to pay by the 28th or is he just sayin that date? what can i do? i am goin to pay jus need some time. I don’t really know if I got served court papers. Um he is working under a attorney office’s name. And I’ve been sent a letter before. Just a regular letter though.
2006-09-20 14:05:16 · 9 answers · asked by jules 2 in Business & Finance ➔ Credit
say do you want the money or do you want to kiss my @ss ill quite my job if you dont back off just to keep you from getting any money then see what he has to say
2006-09-20 14:10:37 · answer #1 · answered by Anonymous · 0⤊ 0⤋
Those collection agencies have been 'sold' the accounts of people who owe debts. They cannot garnish your wages. All they do is hound you until you become so disgusted and ready to fall apart, just like you are doing. They pull scare tactics and do manage to get enough people to pay, plus a high rate of interest. If you were served papers to appear in small claims court, you'd know about it by now. Pay what you can, when you can and when they call and start asking questions, just answer their questions with questions of your own. Don't lose your cool. Sit down, think about this situation, come up with a 'plan' to stick to your guns. Remember, they can and are telling you anything they want............Oh, by the way, a lot of these collection agencies do work under an attorneys office, but don't let this fool you into falling for their scare tactics.
2006-09-20 14:18:19 · answer #2 · answered by skyeblue 5 · 1⤊ 0⤋
A collection agency is going to tell you anything under the sun to try to get you to pay them. They bought your debt for a fraction of what it was worth when the original company wrote it off as a loss. If you already have bad credit, I'd say tell him to sod off. They can't do anything but put it on your credit record and if it is already there from the original company, most places are going to ignore it. He can't garnish your wages nor can he have papers served on you. Like I said, they are going to try to tell you anything to get you to pay, they assume that they are going to make nothing on it above what they paid for the note so what ever they collect above that is icing on the cake for them. As far as him working from an attorney's office, call and check that out. Most of the time they are spreading bull so thin you can see through it.
Tell him, in no uncertain terms that he is not allowed to call your parents house again. If you give them a verbal directive like that, they have to obey it or be held accountable for harassment. Feel free to email me if you need any more help with this. Don't sweat it, it's not a big deal.
NEVER give any agency your bank info, that is just an invitation for them to charge more than you verbally authorize then say, "Oops, we messed up, sorry" while you are bouncing checks all over the place.
2006-09-20 14:14:03 · answer #3 · answered by freak369xxx 3 · 0⤊ 0⤋
you cannot be garnished without a legal judgment. so check the county courthouse for a civil judgment and if there isnt one yet then breathe and tell the guy to go screw off....change your number, get a po box and write on the bills that come to your house "not at this address return to sender" and pay the bill at your own convenience. If they cant find you they cant screw with you.
I used to work at an agency and they say you cant legally say you will sue unless you do so. check the fdcpa law. look it up on yahoo. it says what the collectors can and cannot do. He is working FOR the creditor because if he WAS the creditor he would have to buy the debt from the original person you owed. atty's dont do that.
hopefully your courthouse is online and you can go search it now!
2006-09-20 16:05:03 · answer #4 · answered by tryinthis2 4 · 0⤊ 0⤋
first do you really owe the amount this jerk is telling you that you do? if so, contact debt solutions in your area or online. let them help you to deal with this bill. my understanding is that you have to be sued and get a ruling from a court of law before a collection agency can file a satisfaction of judgment and then they can garnish my wages or bank account.. they will lie and tell you anything to get money, so if you owe the bill, call or contact debt solutions and they can help you from there. [usually you can make payments that you can handle and avoid contact with this jerk...good luck
2006-09-20 14:47:27 · answer #5 · answered by churchonthewayseniors 6 · 0⤊ 0⤋
If you have been served make sure you contact the collection agency. The attorney is the middle man. Contact them asap because by personal experience if you make an arrangement and it is reasonable they will take it. TRUST ME they attatched my Christmas check last year it sucked and my kids suffered for it.
TO THOSE PEOPLE WHO ANSWERED THIS AND SAID IT WILL JUST GO ON YOUR CREDIT REPORT THEY ARE SADLY MISTAKEN. THE COURT PAPERS THAT YOU RECEIVED WERE FROM THE COURT. ANYONE WHO IS EDUCATED ON THIS KNOWS THAT IF YOU ARE BEING SERVED THE DOCUMENTS ARE GIVEN A CASE NUMBER AND THEY ARE DONE THROUGH THE COURTHOUSE. tHE ATTORNEY IS THE ONE THAT GETS THEM FROM THE COURTHOUSE THEN AT THAT TIME USES A 3RD PARTY PERSON NOT ASSOCIATED WITH YOU TO DELIVER THEM TO YOU. tHEY HAVE TO BE GIVEN TO YOU IN PERSON SO THEY CAN USE IT AGAINST YOU SAYING YOU HAVE BEEN SERVED. yOU THEN ARE GIVEN A TIME LIMIT TO CONTACT THE AGENCY THAT IS SUING YOU TO EITHER MAKE ARRANGEMENTS TO TAKE CARE OF THE DEBT OR THEY GO THROUGH WITH IT. i HAVE BEEN THROUGH THIS 2 TIMES WITH THE SAME COLLECTION AGENCY BECAUSE AT THE TIME THEY COULDN'T SUE ME FOR THE WHOLE AMOUNT BECAUSE IT WAS TOO NEW.
2006-09-20 14:17:55 · answer #6 · answered by freakygurl559 2 · 0⤊ 0⤋
you will not be served papers from the court. the court papers will be sent to human resourses where you work. they will take the funds straight from your check each pay period and probably at a high rate that you cant afford
2006-09-20 14:11:45 · answer #7 · answered by Billy T 6 · 0⤊ 0⤋
they will take the money straight from your wages
2006-09-24 04:43:01 · answer #8 · answered by Anonymous · 0⤊ 0⤋
He's just saying that.
2006-09-20 14:56:42 · answer #9 · answered by Anonymous · 0⤊ 0⤋