Can a range division ornament My Wages?

Can a range division ornament My Wages?

Attorney - Can a range division ornament My Wages?

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From what my clients have told me, this threat occurs with great frequency. The typical scenario is that the personel has defaulted on a reputation account. The original creditor, be it Citibank or Capital One or whomever, fails in its attempts to get the defaulting personel to pay. The individual's debt is now referred to as "bad debt". Many times, the original creditor will plainly give up and sell the "bad debt" to an face company, such as a collection agency, for pennies on the dollar, sometimes even less.

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The collection group then attempts to accumulate on the bad debt to make good on its investment. Initially, there may be a phone call or two, and then a letter from the group to the individual. If the catalogue is not immediately paid in full, some collection agencies turns their efforts up a notch or three, and begin to make threats to the individual.

The most tasteless threat is that the individual's wages will be garnished. Often times, the group will tell the personel that the wages will be garnished "next week" if the catalogue is not paid in full, or, in the alternative, if a stupendous payment is not made on the account. If this occurs to you it may in effect be a good thing because the debt accumulator will have just violated the Fair Debt collection Practices Act. The Fair Debt collection Practices Act is a federal law that regulates and mandates what a debt accumulator may do in its attempts to accumulate on a monetary debt. In my experience, I have found that many debt collection agencies violate this law on a daily basis.

I can say with certainty that there is no law in the land that allows a creditor such as a collection group to adornment your wages without due process of law. Due process, in a nutshell, is the ideal that you must be allowed to present/defend your case in a court of law. Every person is entitled to their day in court, no matter how open and shut the case may appear.

If a debt accumulator threatens to adornment your wages without the filing of a civil lawsuit, be sure to find out exactly who you are speaking to, what firm they are with, their address and return phone number. Be sure to note the date and time of the call as well. Then, caress a buyer Attorney in your area to begin formal proceedings against the debt collector. Under the Fair Debt collection Practices Act, you will be entitled to monetary damages and salvage of your attorney fees. In this regard, many buyer attorneys do not charge a retainer to design one of these actions, or, they charge a small number and endeavor to recover the fees from the offending collection agency. If all goes well in your lawsuit, your debt will not have to be paid, you end up with a few bucks in your pocket, and your attorney fees are paid as well.

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