called collection agency back they said noone is going to garnish your wages why did they lie can they do that

Question

coll agency called me offered a settlement for 125 which the debt is 145 i told them to call me back i have some investagating to do beacuse i dont beleive i owe you she go mad and said we are going to sue you and garnish your wages. called back next day asked for attorney that going to handle you case she said i dont know why they told you that your wages arent getting garnished

Answer 1

Ok, what is the full story. Please use punctuation. It makes it easier to read. I have no idea what you are asking. The collection agency is not allowed to lie to you. However, I am unclear about the lie. Did they say that no one was going to garnish your wages and later they did?


Ok, here are some articles that might help you.

http://www.bankrate.com/brm/news/special/19991217a.asp

http://www.bankrate.com/brm/news/bankruptcy/20070403_debt_collector_lies_a1.asp

http://www.bankrate.com/brm/news/cc/20030519b1.asp



Also, you may want to double check this with your state but some states allow you to secretly record phone calls. That means you can tape the call and not let the other side know. That will give you some record of what was said in the phone calls. I do not know how valid these recordings would be in court even in states where they are allowed though.

Here is the link to the list of states.
http://www.bankrate.com/brm/news/cc/20030519b1.asp

Here is some information about garnishment. You may want to do some reseach in this area too. Debt collectors cannot garnish your wages in all states. Some do not allow it. So unless it is something owed to the IRS or for unpaid child support or student loans, then there is a chance that your state does not allow garnishment of wages.

http://www.bankrate.com/brm/news/debt/20071005_wage_garnishment_a1.asp

Finally, it seems like your debt is pretty small. I would suggest just paying it. Of course, verify that it is a true debt. Read the articles that I have listed here and in one of them it describes how to get the creditors to verify that the debt is yours. Remember, their #1 tool against you is your lack of knowledge of the law. Learn that and you will be able to know what to do.

Answer 2

There is usually a message that says something along the lines of, "... this is an attempt to collect a debt. Any information obtained will be used to do that." Therefore, if you gave them any info to garnish your wages... such as, where you work, social security number conformation, address, etc., then you basically gave them what they needed to take your money. The question is now, do you have proof they said they wouldn't garnish your wages? Did you record the conversation? Probably not. I'd take it as a hard lesson learned. The next time you call a creditor back (which I NEVER do, they just want to harass you, why put yourself through that), use your answering machine to record the conversation (if you can) and make sure you let them know at the beginning of the call that it's being recorded. Sorry about your luck, hope it changes for you soon.

Answer 3

They can and will garnish your wages if needed. But not before getting a judgment in the courts. They can say just about whatever they want to, just pay your bills and avoid them altogether. I work for a company that in the past used collection agencies, they do and will file a claim. Now we just eliminate the middleman, we file the papers ourselves. And yes, we have garnished wages. Bank accounts and any other money we can find in their name.

Answer 4

they lie all the time to try to get people to pay up but proving it is a horse of another color

they can not attack your bank accounts or garnish you wages without a legal judgment but that is not hard for them to do

Answer 5

they all lie and will do what ever to get their money - now if it goes to court then they can garnish your wages. but it usually takes a while