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Posted: Wed Jan 23, 2008 9:36 am Subject: wage garnishment

I have a debt consolidation company working on my behalf but one company has sent me a letter of intent to sue and garnish my wages. I thought that paying someone to handle this would stop this kind of action?

Posted: Wed Jan 23, 2008 10:15 am Subject:

Not all companies are willing to work with consolidation. Another possibility is that your consolidation company is not aware of them for one reason or another. Were they on the list that you gave to your consolidation company? Is the company theatening you a collection agency, lawyer or original creditor?

Posted: Wed Jan 23, 2008 10:16 am Subject:

Maybe you should try contacting them and giving them your debt consolidation company's name..maybe that will help.

ladybug

Posted: Wed Jan 23, 2008 10:18 am Subject: garnishment

My debt consolidation company said they could send them a harassment complaint but I don't know what that is or what it does. Does anyone know?

Posted: Wed Jan 23, 2008 10:24 am Subject:

I have no idea but someone will be along shortly.

ladybug

Posted: Wed Jan 23, 2008 10:28 am Subject:

I know that if you had a lawyer and they contacted you regarding the debt knowing you had a lawyer that would be harrassment and an FDCPA violation. I don't think that would apply here though! Not 100 percent sure.

Posted: Wed Jan 23, 2008 10:36 am Subject: harrassment letter

The people who are handling my accounts are Banks, Schwartz and Levitz. It is my understanding that they are lawyers.

Posted: Wed Jan 23, 2008 10:40 am Subject:

No One can garnish your wages without a court order to do so, except certain government agencies. a creditor must get a court order. An intent. is just that.

Posted: Wed Jan 23, 2008 10:41 am Subject:

Posted: Wed Jan 23, 2008 10:42 am Subject:

Posted: Wed Jan 23, 2008 10:52 am Subject:

Thanks for the qualification! Thats what I was trying to say!

Posted: Wed Jan 23, 2008 10:54 am Subject: garnishment

I have received a letter with intent to sue. This company was included in the consolidation. Banks, Schwartz and Levitz notified them right away. I had paid on time for this loan for 1 year before I had to let go and let curadebt handle it. I believe that the curadebt lawyers notified them several times. The lawyers have asked me if I want them to send a harassment complaint letter. I have asked them what that is but have not recieved a reply so I was wondering what one is?
Thanks to everyone who has replied to my questions. It certainly makes me feel like I am not alone.
Since I have only been in the program for a little over a month and am still paying the retainer fee no settlements have been reached but I am sure they are working on it and I understand it takes awhile to make the funds available.

Posted: Wed Jan 23, 2008 11:00 am Subject:

Ah I see...so this is debt settlement program? or are you making monthly installments to BSL so they can pay your creditors?

Posted: Wed Jan 23, 2008 11:15 am Subject: debt settlement

Yes,I believe that is what it is, a debt settlement program.The first 3 payments go towards the retainer fee so it seems that nothing can be set aside for settlement until the 4th month unless of course I put more in the account which I don't see happening right now as if I had the retainer plus I would probably be able to continue paying the minimum on my debts. I hope I am doing the right thing. I am really confused as I did this in order not to receive threatening letters of lawsuits

Posted: Wed Jan 23, 2008 11:23 am Subject:

Ok, I thought it was a debt consilidation program where you make payments to the debt program every month and the creditors gets a lowered but monthly payment.

Honestly, there is no guarantee the creditor will want to settle and if your creditors arent getting paid,which it sounds like they arent, they can pursue legal action. A debt settlement program, unfortunately will not put a stop to any legal action.

Who is the creditor that sent you the letter?

Posted: Wed Jan 23, 2008 11:36 am Subject: debt settlement

I do send them money each month but the first 3 months seem to go to their fee, like I said I am rather confused. The company that sent me the letter is quickclickloans and the lawyers had already contacted them telling them what we are doing and then they send me this letter telling me of their intent and now the lawyers want to send them a harrassemnt letter which I am now sure what it is?

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