My last employer never received any garnishments and I worked there for 2 years. I have a new employer and I love this job. I really, really don't want them to find out about my debts - they are 6 years old, I just never have the money to pay them. Is there any way I can keep my creditors from finding out? Or at least keep them off the trail until I can get back on my feet and start paying a little to each every month?
2007-12-18 08:53:20 · 9 answers · asked by Someday Soon 2 in Business & Finance ➔ Credit
Skip tracing!
Every so often your file will be pulled and they will run a credit report and you willlllllllllll be found my friend!
I am surprised your employer didn't run a credit bureu on you before they hired you...its pretty standard procedure!
And with the help of the internet you can find pretty much anyone.
You owe the money. You know you owe the money. Call the creditors and ask them if you can make a deal with them. Maybe they will accept a portion of the amount due as satisfaction since they are probably charged off anyway..or a payment arrangement.
The other alternatives are to ignore it and hope that you don't live in a state that allows sheriff sales..(pretty embarrassing to have your car repoed at work and auctioned huh?) or to contact consumer credit counseling and have them liason for you.
There are so many new laws that make collecting bad debts easier that ignoring it is not advised.
2007-12-18 09:01:49 · answer #1 · answered by foxinsox 6 · 1⤊ 6⤋
Actually, your job is listed on your credit report. However, creditors cannot contact your employer unless they have taken you to court and won their case. Once they have won a legal case, then they can garnish your wages. Otherwise, if a creditor has not won in court and they contact your employer, they are breaking the law and harrassing you...which means you can sue them.
If someone did win against you in court, I would contact them and arrange payments. You will find them on your credit report. However, if the debts are six years old, I would hang in there. They should fall off your credit report in the next year.
Check out the article below to see how to improve your score and how to get rid of some of those creditors forever.
Hope this helps.
2007-12-18 08:59:11 · answer #2 · answered by E.T. Barton 5 · 0⤊ 0⤋
There are many ways that collectors can find you. Most are by simple public records. Most people don't realize how much information WE give out ourselves. Some of it is for things like a new job, new home, new area, whatever. The government can find you using employment records. Most collectors do not and cannot find this information. Collectors can also try to find you thru your contacts listed on record. Some do simple searches in search engines like google, yahoo, white pages.com, zabasearch and so on. Explain to any of your friends and family that they are not permitted to give out any information to anyone without your express permission. Remember that things like owning property is a public record; marriages and divorces are public records; applying for credit cards; certain utilities......just think about the info that YOU put out there.
And yes, then can garnish your wages if they get a forgein judgement thru the court system in order to serve the employer and state that you now reside. The only creditors that would not apply to is taxes and child support.
2007-12-18 09:04:55 · answer #3 · answered by T 5 · 2⤊ 0⤋
I have a friend who choose to ignor a hospital bill that he never paid. I am suprised because he had insurance, unless this is his part he never paid. They cut back his hours and his wife doesn't work. They were able to garnish his wages and when his check came I was shocked he showed me he was getting $90.week He said, that won't even buy our food. He has a pickup payment of $250. and is paying only $100. month on his house. Which is almost paid for. But he refuses to take out a loan for medical bills since his wife has bad health. He said, "it is more important to know she is going to have a place to live." It is a small 2 bdrm 1bth older house that was build in the 1966 area. It seems to me they should be able to qualify for a medical card and just about every government program. His hours at work have been cut back to the point they can't live. But given those circumstances they still garnish his wages.
2016-03-16 02:50:37 · answer #4 · answered by Anonymous · 0⤊ 0⤋
Creditors can't garnish wages; only courts an do that. You have passed the statute of limitations for most states making a judgment impossible (unless proceedings have started already). After one more year, these should drop off the report.
2007-12-18 09:42:18 · answer #5 · answered by Ted 7 · 1⤊ 0⤋
I was doing fine by hiding from an attorney who works for Discover Bank. I left a job 3 years ago due to garnishment. So I was doing fine until I was going to get a bonus check. It came in way under what it should be. The attorney found my new job solely because i had told my previous doctor about my new job. That is how they found me. I owed a debt with that clinic for like $640 and it went to collections. I knew the gig was up when the collector called me at my new job. Then when I pulled my credit report, the new job appeared. So it was a matter of time and sure enough he garnished my new job about a month ago. So, I quickly found a new job and have been with it for one week. I don't plan to tell my current doctor $hit about the new job. I will have a new insurance company but my plan is to avoid going to the doctor period for at least 6 more months. By then I hope to have the $900 to pay the attorney to file chapter 7 for me and end this crap. I could never raise that amount of money with the garnishments and I am racing against time now. He did fine me on a job before my last job by issuing a subpoena for the department of labor records. He evidently did not do that on my last job and it was purely because I had told my previous doctor about the job. But I did get even with him. He was a new physician right out of his 4th year of residency and he hired an attorney to go after the $400 fee I owed him outside of what insurance would pay. When his attorney called I said, "You know, he gave me some very bad medical advice and I have a malpractice attorney looking at the case right now." That attorney hung up and I have never heard anything from him again. I figure a new medical doctor right fresh out of school does not need a claim against his insurance policy.
2014-08-17 12:57:31 · answer #6 · answered by Burt Ward 1 · 1⤊ 0⤋
If your debts are 6 years old, then you only need to duck them for 1 more year until they fall off your credit bureau. Unless they were originally opened 6 years ago and just recently went to collections... Anyway, you can only dodge creditors for so long. There are so many ways to track down customers- including calling friends, family neighbors, etc. Unless you move, cancel your phone and don't plan on opening any accounts- including library cards and gym memberships, they will find you.
2007-12-18 09:08:07 · answer #7 · answered by kta kta 2 · 1⤊ 0⤋
I am also hiding out.... I use to work for a collection agency so I know what to do.... I am going to file for bankruptcy as soon as I am under the means test. google.com and legalhelpers explains all of this... 6 years and your accounts should be outlawed and beyond the statue of limitations. Don't pay any money on them or else you will re-age the old accounts and it all starts over as day one. Lay low, tell all your family not to give out any information on you, never put down your correct employer to anyone, not utilities, not credit applications. You don't have to anyway because no one ever calls and checks anyway. They just look at your credit and if you look good they will give you the loan or utility. Don't even put it down on warranties either. go to www. annualcreditreport.com and get your one time free credit report. Pull it up, if it shows your place of employment then file a correction or dispute with the credit bureaus and tell them you don't work there and tell them the correct place (But make it up) never tell them where you work. Tell them its an error and don't call any collection agencies back. Have your mail forwarded to a friends house for a while or get a POB .. This causes confusion with the collectors.. I know...
2007-12-18 11:49:35 · answer #8 · answered by Lea 4 · 4⤊ 0⤋
because u pout yer place of employemtn on credit applications
or when u apply for a phone or electric
they ask u that
and they keep all those records in yer credit score
they know every place u ever lived, all because you tell them on credit apps, apt apps, etc
2007-12-18 08:59:00 · answer #9 · answered by The WingHunter 5 · 0⤊ 0⤋