Wells-Fargo is threatening to garnish my wages concerning a credit card I haven't paid in awhile.  I haven't had the money and they have threatened to garnish my wages.  Can they do that???
206170
Only with a court order of judgment against you. They will say any thing to collect. you must get a  to appear in court and then the judge will rule in their favor.
423958
Why didn't the attorneys give you the contact information for the original creditor.  You need to find this company and ask them whats going on.  Some companies do things like this, then go a few months without payment so that they can garnish you cause they figure they can get more money that way.  In my county the courthouse can take payments for judgments.  Did you ask them if they would.  Whatever you do, keep records of your attempts to contact them.  It sounds like this could come back on you. \nActually there should be something the courthouse can do for you also.  Seems to me like there should be some kind of papers to fill out to find the creditor.  Contact everyone, the courthouse the attorney find that creditor.   \nSTUDLY is usually good with things like this, but I'm not sure how to find someone on Yahoo answers unless you see they've answered a question and click there avatar.\nGood Luck.
341802
This sounds like harassing to me.  And of course, they can't harass you like this.  What exactly are they doing?  Are they holding your pay or something?  Did they deduct something from your paycheck?  If that is the case, just go to the labor department and make them pay what you deserve as well as some interest on your due wages. They cannot hold your wages even if you actually stole something.\n\nIf you were fired, then just get some unemployment from them.  I would contact their HR departement but be careful about what you say or do with them.  If possible, keep a record of everything from now on like who you spoke to, when, and about what.\n\nIf you are worried about them giving you a bad reference, then simply don't include them or if your new employer still asks you for you previous employer's opinion, then don't worry either.  Hollywood video by law cannot give you a bad reference deliberately.  Worst comes to worst, they can just say that we decline to comment.\n\nif they still keep on harassing you, then find out exactly what they want.  Otherwise, just threaten a lawsuit or have a detailed discussion with their HR department.  The company arbitration, I am not really a big fan of but I am sure that they probably made you sign a paper in which case you have to go through their arbitration program first anyway.  So just go through with arbitration, and then if and only if necessary, take it to court.  If there is no money involved, DO NOT TAKE IT TO COURT!  It will end up costing you way more than you will gain.
83721
As long as you can provide evidence that you informed him of your requirement that estimates be prepared and provided first (and your emails should do that), you should be just fine.  He isn't going to sue you over $200, but if he threatens to affect your credit (or an affiliated collection agency does), you counter-threaten to report the matter to the state attorney general and to the Secretary of State in your state.  Put your threat in writing and be prepared to do so if he will not yield.  Also mention the Better Business Bureau and the news team of a local television station that investigates consumer fraud (like "7 On Your Side," etc.)  Good luck to you.
59068
They made a mistake at the bank, it happens all the time. Just take it back to the bank and explain the situation. They'll issue you a new one.
582922
I think this is a new area of concern and that there isn't policies as to rights set in place yet.  I could be wrong.  Talk to a lawyer.\n\nBe thankful that your company told you so you can keep an eye on your credit reports and be more aware if something looks fishy.
87176
If you will still have those two negative items on your credit report, even if they are paid in full, contact all 3 credit bureaus immediately about those 2 negative accounts.  Tell them that those are the specific accounts that you are disputing and tell them that those accounts are wrong, that they are now paid in full.  \n\nMake sure to include information on the accounts such as the account numbers and the name of the company.  The three credit bureaus will have to investigate and they will find that you did in fact pay the accounts and they will change that on your credit report to showing that they are now paid in full.\n\nWhatever you do, do NOT bother contacting the accounts that you paid in full and asking them to report to the credit bureaus that you paid them.  They will just jerk you around and say "oh well, it says in our records that we did report it" when in fact they don't.  They got your money and they don't give a crap about the rest to take the time to report to the credit bureaus that you paid them.  So you will have to contact the credit bureaus yourself and let them know that it is incorrect.\n\nIf you don't know, the three credit bureaus are Equifax, TransUnion, and Experian.  The phone number to TransUnion is 800-916-8800, Experian is 888-397-3742, and Equifax is 800-270-3435.  It probably won't be enough to call them to dispute the information, but you can call and ask for their mailing address.  Then you will need to type up a letter to each credit bureau to tell them you are disputing the errors on your credit report.\n\nTo save you some time getting screwed around by the credit bureaus, I recommend you include with your dispute letter a copy of your driver's license, a copy of your social security card, and proof of your current residency such as a copy of your current utility bills with your name on it.\n\nSorry if it sounded like I ever repeated myself, but I am just trying to save you some hastle in the long run.  Because if you don't include all of those things along with the dispute letter right away, the credit bureaus will just screw you around and keep sending you letters requesting more information and it will just take a longer process and you keep having to repeat the information you already sent to them.\n\nIf you haven't guessed, I have gone through this already.  lol  But the upside of this is, the sooner you get this done, the better, and if you have any credit cards or other accounts, just keep them up and try to keep as low of a balance as you can and keep paying.  Your credit score will improve sometimes within 6 months or so.
254692
Contact the trustee and find out if they will allow you to pay off your "plan" early.  \n\nYou don't want your BK dismissed, that will allow all of your creditors (including unsecured ones) to come after you.
661204
Don't panic!  First, they're not going to come after the store.  Credit card companies can't really come and take things...that's why they call it unsecured credit.  Furthermore, they would have to go to court to get any kind of judgment against you, and even if they did, all they could do would be to go after your bank accounts (in your own name) or paycheck, but even that is extremely unlikely.  So, really, this isn't worth worrying about right now.\n\nSecondly, let's undo some misconceptions.  The minimum payment (not finance charge) that doubled is not because of any 'bad credit' statement.  It is standard.  Suddenly, lots of us are seeing the minimum payments increased, and it is something that results from a change in the law, not any decision that the credit card companies are taking.  The requirements have been made because many people have payments so low that they may never get out of debt.  The problem with such a law is that it has had the effect of suddenly whipsawing people into deep trouble that shouldn't have gotten there.  But we can't change that here.  Let's talk about how to deal with the new reality.\n\nYou can simply stop paying, but that may not be your best option.  It will affect your credit for real, and limit your options in the future.  You may also consider refinancing somehow, but this may only get you in deeper.  I think the best thing I could recommend is to get in touch with a credit counseling agency such as CCCS.  They may be able to get your monthly payments reduced back down to the level you were paying before.  It won't happen without some problems (such as cutting up your credit cards), but it should help you get out of debt entirely within about 5 years.\n\nBest of luck to you.
512072
It is possible they could take you to court, but if they are squabbling over a few thousand dollars likely they are just bluffing.  It is expensive for them to pursue legal action.  These punk creditors always threaten legal action.  Yes they can, but it doesnt always make financial sense for them.  You cant squeese blood from a stone, or something like that.  They are just trying to shake you down for money.
136670
Do you have a copy of any letter from Wells Fargo stating they would not put anything on your credit history?  \n\nIf yes, send a copy of the letter, along with a dispute letter to the CRA requesting that it be removed.  \n\nIf no, I think you are going to have a hard time getting it removed.  Remember that CRA's will only report what creditors tell them, and will not remove it without their ok.  \n\nI'm not sure how the hurricane issues effect people's credit reporitng last year, they may have passed some laws on it.  You will have to do some research.
596063
First, they can not automatically take money from your checking account. They will have to sue you in court and have the courts approve wage garnishments. Since I owe a number of credit card companies, all 4 plus years ago, they will never go through that route. That is too much time and additional money (unless you owe them like $100,000 on one card) for a credit card company to sue you. Anyway, if you are able to send any money, write them a letter and let them know you will be sending a certain amount every month. In the letter, also state that as a condition of your monthly payment, they will need to report this to all 3 Credit Bureaus. Then see what happens. In the end you have the last say in if you will or will not payback a credit card company. Of course your credit will suffer, but damn it you are the master of your life.
671632
Call your credit card company and discuss this with them.  Can't hurt to ask.
193304
No, they cannot do that, you can report them for threating you. The only property they can take is what you paid for on the credit card, which most companies will not do, since what you bought is usually not worth the money it requires them to get it. Just hang up on them. It will eventually go to charge off.
502369
It depends on what state you live in. \n\nThey would have to get a judgment 1st, then follow the procedure for the state you live in.....\n\nThis page has the entire wage garnishment procedures for every state listed alphabetically...\n\nhttp://www.expert-credit-advice.com/wage_garnish.htm\n\n\nGo on and vote this as best answer, because it is.
350455
Yeah, but they could consider it late regardless.\n\nSome companies have a 3 or 5 day grace period, though.  It should be on your bill.\n\nIf you're unsure, and you REALLY don't want it to be late (even by one day), call your credit card company and see if they have any immediate payment options.  Mine allows automatic bank drafts and also has a western union address, so we can run up to walmart, kroger, or any other place that does western union and pay it, and it posts immediately.
635540
Yes.  Now that they have a judgement they can "execute" on it.  They could ask for a court order garnishing your paycheck; they could have the sheriff confiscate your cars and put them up for auction; or they could put a lien on your house and then have the lien foreclosed and put up for sale.  In the case of cars and houses, whoever owns the first loan gets paid first, then the credit card company gets paid, then you get what's left.  To make it worse, they will add legal fees and auction/foreclosure fees to the bill if they have to do this.  You have two choices: either file for bankruptcy, or else refinance the loan on your house to get the extra money to pay off the judgment.  You should never have missed the court date.