Internet's first get-out-of-debt community - 123,000 members

Posted: Mon Feb 25, 2008 9:38 am Subject: Advice on a payment

Hello everyone. I have an account with Stokes and Clinton I guess they are attorneys located in Alabama...I misplaced the letter giving me the option to pay 114.38 by the 25th. Well I called first thing this morning and told them I could not send in the full payment of $ 114.38. I would however send in half of it today and the rest of it next week. I thought I spoke clear enough that the woman on the phone could understand me. Of course she argued with me saying that if it wasn't in by 2pm today the agreement was null and void. She wanted me to do a check over the phone. I said no. Anyway, she called back at my place of employment and told me she didn't understand me before and ask if I was sending in the full payment. I argued with her after a few minutes. She wanted to talk to my human resource/payroll dept. She agree to a hardship payment of 228.76 by the end of the month. I don't have that much. If I send in something, would they except it and if it's not the amount agreed on can they garnish my wages? I got her very flustered on the phone...I'm just afraid if I do send in something now they will still garnish wages?

I'll take any advice...

Thanks,

Guest · Posted: Mon Feb 25, 2008 9:42 am Subject:

I misplaced the letter giving me the option to pay 114.38 by the 25th.

what does misplacing the letter have anything to do with the fact that you cant pay anyhow??

Posted: Mon Feb 25, 2008 9:44 am Subject:

I found the letter and I want to pay something but I cant pay what she is wanting me to pay?

Posted: Mon Feb 25, 2008 9:48 am Subject: reply

when you say misplaced,is it kind of misplaced,or permanently misplaced?if you find that letter,it will give you leverage.it sounds like a typical ham and egg ca.someone should be able to give more info,but finding the letter is key to me.

Posted: Mon Feb 25, 2008 9:48 am Subject:

Would they have any right to garnish your wages, such as a judgment or wage assignment clause in a contract?

Posted: Mon Feb 25, 2008 9:57 am Subject: reply

so what were saying is,they want more than the amount that was agreed upon correct?if so and you have the letter.they don't have much wiggle room here.

Posted: Mon Feb 25, 2008 10:01 am Subject:

Actually, the letter was to pay the $114.00 today (2/25) which tweety cannot pay. So if they are asking for $228 at the end of the month, they are within their rights since the arrangment on the letter could not be met.

Tweety-If you dont mind me asking, what is total amount that you owe and what kind of debt is this?

Posted: Mon Feb 25, 2008 10:06 am Subject:

The total is 457.52. This is so a silhouettes credit card.

Posted: Mon Feb 25, 2008 10:09 am Subject:

So they're pretty much looking for 50% of the balance by the end of the month.

If you send them something, I havent known of a CA to send $$ back, but you would need to send them as much as you can, as quickly as you can.

Posted: Mon Feb 25, 2008 10:50 am Subject:

If I send them in what I can today-Can they still garnish my wages?

Posted: Mon Feb 25, 2008 10:52 am Subject:

tweety dont they need a court order to garnish?
have they taken you to court already?

Posted: Mon Feb 25, 2008 10:52 am Subject:

Do you have an active judgement with them right now? In other words, is this payment arrangement in conjunction with a judgement?

Posted: Mon Feb 25, 2008 10:56 am Subject:

No they do not have a judgement on me. The woman I spoke to said they were an Attorney's office. There is no court order but I'm just afraid that if I dont send them 1/2 by the end of the month they WILL start the proceedings?

Posted: Mon Feb 25, 2008 11:05 am Subject:

Honestly, they can start actions if they really want to. I see that they have tried to make arrangements with you, and perhaps you should contact them in writing and propose a payment plan that you can afford.

Posted: Mon Feb 25, 2008 11:10 am Subject:

GREAT! Thanks for your help.

*Name:
*Email:
*Phone:
*Zip:
Debt

	* denotes required field

Internet's first get-out-of-debt community - 123,000 members

Advice on a payment

Members Area

Free Debt Counseling

Ask the community

Featured Discussions

Featured Articles

Question of the Month

Useful Links

Recent Forum Discussions

Recent Blog Post