About collection agencies

Thank you for deleting it and thank you for letting me know what it was.

I think some people have aggressive tendencies and when they run out of people in their family to bully they come here to be jerks to people just trying to figure out what's happening and what to do.

Thanks again!

They must have a judgment against you in order to garnish your wages or levy your bank accounts. This, after a judgment requires more legal action and court filings before it can take place. After a judgment, they can usually have it done within 60-90 days. TIP: Do not ignore a summons to court, they will win by default. Do your homework or hire an attorney who is knowledgeable in the Fair Debt Collection Act Practices procedure.

what if i don't respond to a interrogatory paper that the said lawyer debt collector wants from me my bank info neighborhood legal services said i have to is this true? i don't want my info all over the place i don't know these people at all it's not from the courts i own nothing have no income except ssi, veterans pension, dpw please help

I didn't read this whole thread but it seems your comment is newer about the interrogatories to be answered. I don't understand where these interrogatories came from, how did you get them, who is telling you that you must answer? Has someone filed suit against you?

If there is a suit against you then answers must be given. however, it depends on the validity of the suit, whether or not the party has the standing to sue you and whether or not they have established a financial obligation between you and whoever filed the suit.

More info is needed to know how you should answer.

Does everyone want to hear something pretty funny??!! I had a CA call my home asking for my EX husband. When I told them my EX doesn't live here, they said they had "the right to go to your home and take him to jail." I said "by all means and have fun doing it!!" They hung up..LOL Kind of made my day.

@SDCHARGERS_63, THAT is a real riot, thank you for sharing that. However "empowered" debt collectors may feel or be trained to feel, they do have limitations to their power, lucky for your EX!

It does seem you might have offended their sensibilities by failing to have proper respect for their authority!

Debt collectors call for my wayward son's debts. He does not reside at my address now. What legally should I do about debt collection calls ? As of now I just ignore the calls.

Your are not liable for your son's debts and you won't have to pay them. You can give them your son's phone number so that they can call him in order to recover their dues. If they still keep on contacting you, then you can send them a cease and desist letter and ask them to stop calling you any further.

Based on what I’ve read here, am I right to assume that these third-party collection agencies are only about money and not law or doing what is right? If so, how do I sign up to fight this?
This is what I don’t understand:
Why doesn’t a collection agency verify each and every debt before collecting? Why do we have to go through with the insults in the sense they are preying on our lack of law/intelligence to abuse us?
Why am I harassed each and every day if I have so-called rights (isn’t that the real question)?
How is it that a third-party debt collector doesn’t have to put anything in writing, i.e. payment arrangements?
How is it that some collection agencies get away with abusing the law over and over and over again before some political party/person who seeks advancement will step in?
In other words I am told I have rights, but only if I have money to hire to an attorney; thus, if I or you have money hello to American capitalism and welcome. If not, it is my right to be heard by a court; nevertheless, watch out because the lions will eat me.
Either there are laws or there are not. Either there is right or there is wrong. Thus, I think what is wrong here is we are not questioning the laws or loopholes that actually give some rights while screwing the rest, the debtor. We need to break down the laws and question them, possibly fight for change. And so I want to know how I can get involved.

Lynnie, it would be GREAT if you would register here and spread the word.

It seems my post wasn't politcal enough to be listed here. What a shame.

Trying to make a deal to lower amount to be paid to settle an account with The Bureau. Think 50% of debt can be obtained

I had a collector sue me and garnish my wages. They took one payment and then I never heard from them again? I was thinking it was because they expected more, I wasn't making very much at the time. This was over a year ago. Should I be expecting to hear from them again?

Betty Snow: It all depends on the age of the account. Generally, the older the account the more percentage you can get. I hope you had the CA validate the debt properly before you even started discussing negotiations.

LLB: Could be any number of reasons why they stopped. How did they get the judgment against you? Were you properly served but did not go to court so they got a default judgment?

The garnishment notice came to my job. That was the first time I had heard about it because I moved several times, so if they did serve me I didn't know about it.

If they only "took" one payment it is probably because your payroll dept stopped paying them after one payment due to change of personnel or payroll company. They can follow through with it legally. You were probably served where you no longer lived. That works unfortunately unless you go and prove improper service. But when you do that you need to give your current address.