Can a debt collection agency garnish your wages for past debt in ohio?
464036
hi i am lisa.  i used to work for a collection agency and if i remember correctly ohio is a wage garnishment state, however, there is a pretty lengthy process involved. i dont know how old the debt is and how much you owe but if it isnt a very sigf amnt. they probably wont go through the hassel of lawyers and the court system.  look online under "ohio fdcpa laws"
272891
yes, but normally they will just hand it over to a bill collections agency that will get a judgment against you. If your about to file bankruptcy though, don't worry about it. they're not going to throw you into debtors prison or anything. they'll just call a lot and send letters. Once you are in bankruptcy, it'll be sorted out.
126738
Like crythsania said....why are they threatening you?  What agreement did you have with the debt collector (and why are you messing with those fools anyway)?\n\nIf you have an agreement with them to pay an amount of money, they can't just change it.  Keep sending them the agreed amount of money, and let them sue you.  The judge will simply re-instate the conditions of that agreement.\n\nOn the other hand, if you are not paying what you agreed on, they can sue you.  Now you must gamble on whether the judge will order a payment plan you can afford, or risk garnishment/lien proceedings.  \n\nDon't know where you are at, bit in my area the judge would look at the debtor's financial situation and order something he can handle.  I've seen people get away with $5.00 a month.
460861
I don't believe they can. The court should be sending a notification to your employer regarding the garnishment, how much, and where to send it, but No, I don't believe it is legal for your HR Department to send out any personal information on you to anyone.
519554
Wages can be attached ("garnished") for credit card debt in some states, but not others; still its a fair amount of hassle for a company to do this, but it can be done in some states.  You can't go to jail, debtors prison went away hundreds of years ago.\n\nSuggest you work out a plan (call the credit card company if you want - its in their best interest for you to pay off this debt) to pay off the debt slowly over time, and stop accumulating more debt.  Maybe you could get the high interest debt transferred somewhere else, depends on your situation.\n\nIf its hopeless and you can't pay off the debt, you can declare bankruptcy, but don't take this step lightly.  The bankruptcy will follow you around for 7 years, making it very hard to get other credit, get a place to stay, and causing all sorts of other problems.\n\nGood luck.
402500
Contact the DOL (Department of Labor)at www.dol.gov.\n\nAn employer can not take out garnishments or overpayments from your pay without written consent from you.
134582
Yes, they can.\n\nThere are no state laws. Instead, wage garnishing is regulated by a federal law, The Fair Debt Collection Act.\n\nThis act requires that debt collectors treat you fairly and prohibits certain methods of debt collection. Personal, family, and household debts are covered under the Act. This includes money owed for the purchase of an automobile, for medical care, or for credit cards and other charge accounts.\n\nClick here to read the act and find out your right:http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm\n\nGood luck!
851968
They will need to win a judgment in order to garnish your wages. \n\nFurther action means they may sue you. \n\nYou should attempt to settle or structure repayment before it gets to that point. \n\nHere is a good resource to help you: http://www.expert-credit-advice.com/debt_settlement_service.htm\n\n\nHere are the garnishment procedures listed by state: http://www.expert-credit-advice.com/wage_garnish.htm \n\nAgain, it would be wise to do something before they do!
212783
go to the court that issued the judgment, and have them enforce it. they could garner wages or confiscate property from them. Or, sell the debt to a collection agency. You will only get a small amount, but its better than nothing and then its no longer your problem.
1180398
I agree with spade_2nite, something doesn't sound right if they are contacting you for payment - if they had recieved a judgment.\n\n\nContact your county court clerk and ask if there is a judgment or a suit filed in your name. (You can also go to the clerks office and request to see your file.)\n\nIf there is no judgment or pending suit filed, that company is violating your rights. If that is the case - speak with an attorney immediately!!!\n \nIf there is a judgment filed and you had been properly served, check your state statutes for the exemptions in your state.\nFor example -  exemptions "may" mean that they cannot garnish your wages, take your car, take funds from your bank account etc. It all depends on "your" states exemption laws. \n\nAfter you check with your county court clerk and find that there is or is not a judgment against you, it may be best to speak with an attorney. There are many attorneys that will give a free first consult   \n\nAlso, I would suggest purchasing a tape recorder and the next time they call, tell them that you are recording the call. Some states allow you to tape without informing the other party that you are taping, you would have to check your state laws on that. But, if you cannot find your states laws on taping, then be sure to inform them you are taping when they call.  \n\nTell them that recieving phone calls at your home and place of employment is inconvenient for you and that you are requesting they contact you by the U.S. postal service only - be sure to have that on tape. By law, if you tell them to cease calling - they are "required" to stop calling.\n\nIf there is a judgment against you, filing for bankruptcy may not be the wisest thing to do - depending on the dollar amount of the judgment and your other debts. \n\n\nI have included a link so you can check your states rules of service
353323
Contact them as soon as possible to set up a payment plan.  Most government agencies are willing to work with you on that.  I've seen people pay as little as $20/month on debts owed to the government.  Depending on your situation, they may even take off any interest or late fees.  Just make sure you contact them before they start garnishing your wages.  You do NOT want that to happen...depending on the debt, they can take as much as 25% of your disposable income.  Good luck!
419102
If you told Friend of the Court you are employed and where, they will take care of the rest.  You might want to mention to your employer that your wages will be getting garnished and you are aware of it.
238745
You have to have a written contract to be able to garnishee his wages. it would be of benefit to have a lawyer and you may be better to launch a civil suit.\n\nv. to obtain a court order directing a party holding funds (such as a bank) or about to pay wages (such as an employer) to an alleged debtor to set that money aside until the court determines (decides) how much the debtor owes to the creditor. Garnishing funds is also a warning to the party holding the funds (garnishee) not to pay them, and to inform the court as to how much money is being held. If the garnishee (such as a bank or employer) should mistakenly give the money to the account owner or employee, the garnishee will be liable to pay the creditor what he/she/it has coming. Garnishing wages is a typical means used to collect late child support and alimony payments or money judgments. Often the order will be to pay installment payments to the sheriff until the debt is collected. Then the sheriff pays the whole amount or payments to the person to whom the money is owed.
770413
I assume this question is for a jurisdiction within the United States.  Answer:  Generally speaking No - when a monetary judgment is rendered against you in a civil dispute, the party that won the judgment has to go back to court to obtain a lien against a tangible asset you own, or have your wages garnished - if you do not pay the judgment within the time allotted.  State law may control what comes first in terms of what the plaintiff can do to get their award out of you.  They may try bank accounts first, then wage garnishment, then asset liens or some combination of these things.  Rules vary by State.  In some States it's a crime to try to hide your assets from such a judgment once it's been issued by the Court.  Currently, I am not aware of an 'automatic' lien scenario where your assets are frozen on the spot for a civil case.  That doesn't mean it can't happen.  Criminal cases are another matter.\n\nIf you have a good reason for not appearing at the hearing, you may able to have the judgment set aside and get a new trial, but you have to have a really good reason for not showing up, and of course, you have reason to believe you are not at fault in the dispute.  You already stated you were served but failed to appear, so you can't argue you didn't know about the hearing date.  \n\nAt the end of the day, you need to consult with a lawyer to see what your options are.  Most lawyers will give you an initial consultation for free.\n\nThis post is for general information only and is not and should not be construed as legal advice - consult a qualified lawyer in your State.
64210
Garnishment usually occurs if you don't pay what you're supposed to pay.    \n\nEvery state and every county has its own percentage that can be garnished from your wages.\n\nBut that should not be your only concern.  Garnishment orders are sent to your employer who will know you had a collection case against you.
1118899
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.
145731
Actually any one can do it. If you owe a business money and you decide not to pay it most businesses instead of going to court will give it to a collection agency which intern sends you a nice letter and then if you dont pay it they put a nice spot on your credit.  Yes you know about any borrowing institututions who do it regually.  But through a collection agency almost anyone can.  If you see any you can dispute it though.