I just received a Request and Writ for Garnishment from Wolpoff & Abramsom Debt Collection lawyer. (They are the worst. They don't want to work with you. What you can afford to pay is never enough!) Well this garnishment request is from a credit union that I have NEVER used. I have never had an account there nor has anyone ever written me a check from that bank. Why would they do this? Are they planning on doing this at all the banks/credit unions in my town? Has anyone ever heard of this? I don't have a checking account and because of this I probably never will again. \n\nThanks for the help!\n\nKim
131197
Not sure if the above is accurate.  I don't think a bank can give out any info without a subpeona, and I can't imagine them going to every single bank.  \n\nMy guess...somewhere, somehow, they got word you had an account there, and they are fishing for it.\n\nMany states now have requirements where the judge can order a financial disclosure from you, telling your bank accounts and property.  You must not be in one of those states.
413912
If the bill is only in your name ... your husband won't get wage garnishment, however, the money can be garnished from a checking account. If the house is in your name, a judgment against your house. Listen to me.. go to court.. they will put in Mediation, work out a deal, make some kind of payment arrangements, believe me I know.. I am taking many people like you to court tomorrow... its in their best interest to show up... I can get the vehicle if thats in your name... many things one can do....
191112
My ex, who claimed bankrupcy 3 years ago, is now carting aroud his new visa! He had maxed out 6 cards at that point and was in debt about 30K. Tell me how he got another card??? Funny thing is that when I applied to get a card, I was declined even though I made more than him. I'm quite certain if I was a man earning the same salary, I'd have several cards by now.
341268
If there was a lien legally placed against your account, you probably can't get the money already taken back.  But you can try to, by asking the bank for a form to challenge an unauthorized transaction to your account--just tell a teller at the bank that there is an unauthorized withdrawal from your account, that the creditor claims to have a judgment, but that you have never been notified of it.  It is rare, but it does occasionally happen, that a creditor will lie about having a legal lien.  If the bank won't help you with this, you can stop future garnishments, at least for awhile, by getting a new bank account, preferably at a new bank.  \n\nYou can avoid people finding out your bank account numbers by not using checks to pay bills.  The creditor uses the information from your checks to obtain the lien.  Use money orders or travelers checks to pay bills instead.  \n\nIf you get a new account, and it is later garnished, you may have to stop keeping your money in the bank, as unpleasant as that would be.  \n\nI helped a friend with a similar problem recently.  Be sure not to give out your banking information to anybody.  Best wishes getting this straightened out.
173124
First of all, don't go clumping everyone who can't pay their bills into the same group of deadbeats!  That is what really pisses me off abut you collectors!\n\nEvery person has their own reasons.  Sure, you got a lot of irresponsible people, but a whole lot more have legitimate problems.\n\nDivorces, medical emergencies, loss of jobs, personal accidents or disasters...all of these can ruin someones ability to pay bills.  \n\nFrom my experiences, most people want to pay, but because of the above reasons they can't!  They certainly can make an effort, but collectors like you won't give them a chance!  It's either pay it all now, or your credit is ruined!\n\nIt certainly doesn't make it easier when credit card companies totally screw you with their tricks.  Like when you miss a payment by a few days, and suddenly your interest jumps from 13% to 29%!  Years of good payments mean nothing to you...but miss ONE payment and you are screwed!\n\nAnd it's certainly nice of them to raise your credit limit without your knowledge.  The next think you know, you are $5000 in debt on a card that you thought only had a $2000 limit!  OK, that's the fault of the irresponsible consumer for not knowing their card limits.  But you see how it can destroy someones budget?\n\nI've posted a lot of comments here.  I've had a ton of nasty emails from collectors calling me a deadbeat.  \n\nTruth is I pay my bills.  And in a sense I'm a collector too (GASP!).  \n\nI run a storage facility, and I have to deal with non payment issues all the time.  But in two years I have never had to evict anyone!  I understand that people run into hard times, and I will work with them to catch up.  I'm damn proud of my history with working with people!\n\nHow many people have you sued?
294637
He's got perfect legal right to do what he did, unfortunately.It was wrong not to ask if money was there first, but he did it. I suggest you close that account, open another one for just you, just your name on it, and open another account for both of you for bills only. Put a certain amount of money in the bill account every week and put the rest in your account. Thats way he screws himself if he pulls that again, not you!!...GL;)
242211
STUDLY GETS BETTER AND BETTER ALL THE TIME.  LAST TIME IT WAS A CASE HE READ ABOUT AND NOW HIS FRIEND IS A JUDGE.  GO FIGURE.\n\n\nTHE BEST THING TO DO IS TO CONTACT THE AGENCY AND TRY TO WORK OUT A PAYMENT ARRANGEMENT.  BE POLITE TO THE PERSON YOU ARE DEALING WITH AND THEY SHOULD RETURN THE FAVOR.  I KNOW, I AM THE ENEMY, THE "BILL COLLECTOR" THAT STUDLY HATES SO MUCH BECAUSE I KNOW THE LAW AND HE KNOWS HOW TO CUT AND PASTE THE LAW.\n\nANYWAY,\n\nTELL THEY YOU WILL MAKE PAYMENTS OF $xxx PER MONTH PROVIDING THAT THEY DO NOT TAKE JUDGMENT AGAINST YOU AND that THEY DISMISS THE ACTION UPON IT BEING PAID IN FULL.  IF YOU MAKE ALL YOUR PAYMENTS THEN THEY WILL FILE A DISMISSAL AND YOU WILL NOT HAVE A JUDGMENT ON YOUR CREDIT REPORT.\n\nIF THEY OBTAIN A JUDGMENT, THEN YOU ARE FREE GAME, THEY CAN GARNISH CHECKING ACCOUNTS, SAVINGS ACCOUNTS, PUT A LIEN ON YOUR PROPERTY IF YOU OWN ANY AND IF THE AMOUNT IS LARGE ENOUGH THEN CAN EVEN FORCE TO IN TO FORECLOSURE AND OR TAKE YOUR CAR, SELL IT AT AUCTION, PAY THE BANK OFF AND APPLY THE BALANCE TO YOUR JUDGMENT.  THIS IS CALL AN EXECUTION ON THE CAUSE OF ACTION, WE DO IT ALL THE TIME.\n\nI AM NOT TRYING TO SCARE YOU, JUST LET YOU KNOW WHAT PRACTICES A COLLECTOR WILL USE TO GET A JUDGMENT PAID.  WE SIMPLY DO NOT SIT ON THEM AND WAIT FOR SOMEONE'S HOUSE TO SELL AS STUDLY HAS REPORTED IN THE PAST. I AM PICKING UP A DUMP TRUCK TODAY WITH THE SHERIFF AND I AM ATTENDING AN AUCTION ON WEDNESDAY ON A HOUSE WE FORECLOSED ON BECAUSE WE HAD A JUDGMENT OF ONLY $27,000.  THIS IS A $350,000 HOUSE WE FORCED IN TO FORECLOSURE.  THIS IS WHAT WE DO, BECAUSE PEOPLE DON'T OR WON'T PAY THEIR BILLS.  WE DO NOT HAVE TO TAKE PAYMENTS, I HAVE SEEN NO LAW, OTHER THAN WHEN SOMEONE IS ON DISABILITY OR SOCIAL SECURITY, THAT STATES THAT ONCE A JUDGMENT IS OBTAINED THAT A COLLECTION AGENCY HAS TO TAKE PAYMENTS.  THE ATTORNEY GENERAL EVEN PUTS OUT A LITTLE PAMPHLET FOR CONSUMERS THAT IS FULL OF INFO, AND IT EVEN STATES- "ONE AN ACCOUNT IS IN DEFAULT AND TURNED TO A COLLECTIONS AGENCY, SAID AGENCY IS UNDER NO OBLIGATION TO ACCEPT PAYMENTS, IT IS A COURTESY, NOT A REQUIREMENT.\n\nALSO, TELL THEM THAT AT THE END OF THE PAYMENT TERM THAT YOU WANT THIS REMOVED FROM YOUR CREDIT, THEY WILL CHECK WITH THEIR CLIENT, THE WORST THEY CAN SAY IS NO.\n\nGOOD LUCK AND IF I CAN HELP YOU MORE E-MAIL ME AT\nicsowesmemoney@yahoo.com
217973
I would file tommorow if I was you, once they get a judgement you cant include them in your bankruptsy. I just filed in october and it was over in march. I downloaded the forms from gov.org website and did it myself, I filed it myself and included a form to ask the court for a payment plan for the court costs which were $187.00, to be made in payments. We filed chapter 7, and because we didnt have more than 25% equity in our home we got to keep it. We wernt behind on that bill. So we just keep on paying it like usuall. We got to keep one car for each of us. Both were already paid off. My husband had one judgement that was not allowed to be discharged. And our home equity loan and mortgage was not entered as a discharge, because we are still able to pay for that. We got $69,000 dollars worth of debts discharged (meaning we don't have to pay them)The day you file, you have to pay $50 dollars toward the total if you file the form asking for the payment plan. The forms are kinda hard to understand at first.The packet is about 20 pages. One ask to list all secured debts, which are home loans or car loans. And then you list all your unsecured debts on one page meaning credit cards and hospital bills and the like with all the totals and names and addresses of the debtors, and then a page to list your income and what your personal assets are like jewlery, art work etc. Just work one page at a time, you can do it. But work fast before the judgement, and don't tell them you are doing it. The day you file you and get a number you are protected from them harrassing you, calling you or sueing you. The papers are free to download of the government web page. You have to decide which one to file chapter 7, 11, 13 depending on you particular circumstances. 7 is total and if you own more that 25% equity in a home they can sell the home to satisfy the debtors. 13 is a repayment plan I think. And state to state has different rules. Now you have to have credit counciling to, I think. The second web site has the forms free to download and the rules of the credit counciling and a listing of the individual states that you would live in. I hope this has helped you. Remember the law was set up for you to help you, when you cant pay the bills. Dont let anyone shame you. Its your right to file..
515201
Collection companies are dirtier than the Mafia.  I mean, these guys are truly the scum of the earth.  They will do and say anything to get your money, and have no guilt when they don't follow through on a promise.  In the future, always get the settlement deal in writing before you make a payment.  Any breach of an oral agreement is impossible to prove in court.  Sorry that this happened to you.
288880
Just to let you know, every reported transaction is going to take you about an hour on the phone. This is going to be a pain in the butt. You need to dispute the accounts, (which you've done) now the angencys are going to need to prove that is infact you. They will do this by matching your DOB and ss# as well as your last 3 previous addresses. If they don't match yours the bill isn't yours, and it will be taken off. It takes some time ( a couple of months) so be paitent. If it isn't resolved in that time, you need to call each agency. Sorry but itentity mixups and theft are hard new.
49448
I would be highly suspicious. It sounds like somebody is trying to get your credit card number.  If you really win, tell them to send you a check.  Nobody gives a payment to a credit card for real.
322216
I got a postcard in the mail, and was propositioned for the same fee to complete the applications.  I told the operator I would think about it and call back - then I hung up the phone and did a search to see what this company was about.  They have no web page, but there are a bunch of comments from people who have gotten ripped off from this company.  I called the company right back and told them to remove my name form their database and to not contact me ever again.  Fortunately I had not given them my bank account information.\n\nYou can do the search by typing the company's name into the URL address bar and pressing enter on your keyboard.  Read the comments and decide for yourself.\n\nI did find a page on the BBB http://www.newyork.bbb.org/reports/businessreports.aspx?pid=44&page=1&id=86754\nThat shows this company is not a member wiht the BBB - you can check it out too.\n\nAll in all - my research indicates that this is not a company wirht doing business with.  If you are interested in grants, then check out the response on this post for more info:http://answers.yahoo.com/question/?qid=1006041408147&r=w&is_vote_given=true&pa=BpVqD13uBHMzU.qS4xwATQPSi0OMTaepvTNWYr0wfkQkjizvFoI-
270768
We had a similar situation this last weekend.  It was a variation of the same scam only they sent my wife 2 money orders and wanted her to send the money through WalMart's MoneyGram because it was a "Secret Shopper" Job.  \n\nThe checks looked very legit but a quick look online showed that it was a scam.  They wanted her to cash the checks and send out a money order immediately.  The check would have cleared but in 3-4 weeks the bank would have come after us because it was a counterfeit money order.  \n\nI contacted the Attorney General's office and provided all the documentation I had including the original envelopes.  I hope they will do something but it will probably take more people actually losing money before they will act. \n\nTo verify that the checks are fake:\nIn most cases if you look the bank routing number on the money order in Yahoo or Google it will tell you there has been fraud associated with that bank's routing number.  In most cases the routing number will not match the bank it is drawn on.\nIf you photocopy a real check money order or cashier check I was told it will say "VOID" on the copy.  The checks we got did not display this on the copy.  \n\nThey called us back tonight and I told them I had spoken to the Attorney General's office and not to call us back.  They hung up on me.  Maybe that would work for you.  I would not rely on email.
672611
I have been going thru CCC (Consumer Credit Counseling) for two years now. I know it's awful having so many bills and so many rude people calling and demanding payment. There was a start up fee and then they just started deducting so much every other week. I'll be finished in November, thank goodness! You should look into it, it definitely takes a weight off your shoulders because you just see the progress ya know? You're not writing checks and balancing who gets how much. Good luck!
655966
None. You know how a regular bank will credit your account if you deposit money and then deduct your spendings and perhaps save you from overdraft?? Well, Credit Unions work opposite, they deduct your spendings, charge you if you used too much money, and then clear your deposit. How's that for someone who wants to "help" you?
8677
they can lein against your home causing you to have to come up w/ all of the money at once if you ever want to refinance or sell.  they can garnish wages, this is serious.  the garnishment is not for a payment amount, it is for up to 25% of your gross income, they get their's before anyone else (you, insurance, taxes, allotments, etc.).  judgement is good for 10 years, so even if you are not working, they can collect as soon as you go back to work.  also, employers are required to adhere and deduct this money or they can be held accountable for the money and fines.  this is nothing to mess around with.  you need to contact them and set up a payment plan, even if it is only $20 a month, but, they do not have to accept your offer.  bestto just cut corners some where else and get them paid.
200508
I would be VERY leery of these people. You may not have heard so I will tell you. There is a scam going on out there where people are preyed upon to "take Payments" for a company. The problem is that the "payments" that come in are bogus checks, stolen money orders, etc. They want you to deposit those funds into YOUR bank account (so that you will get charged with fraud, etc.- instead of them) and then do a wire transfer of the funds into their bank account. Save yourself the heartache- do NOT do it. It isn't a job- it's a scam.