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What to do now that ASSET ACCEPTANCE HAS GARNISHED MY WAGES?
Man these Asset people are major jerks. I don't even know where to begin with these people first they harrased me non-stop calling my house sometime 3-4x's a day. I asked them to show me proof surprisingly they did send my application it was for a CC but that was back in 96 9yrs ago. My balace was for 1200 so i decided to go ahead and make arrangements i agreed to $100.00 every month..but here is what i thought that was funny I had asked them if they were going to go ahead and send me a notice every month they said no that is my responsibility to send in my payments (so in other words they are hoping that i don't send in the money)I had already sent in 2 payments and was late only by a week on sending in a payment and i receive notice from my employer to garnish 25% of my wages. When I called again to Asset Acceptance they were even ruder and again i had asked them to send me a notice of payment and they again refused but said that if i were to pay 600.00 right now they would have the garnishment stopped. This lady her name Lisa Jacob that i talked to is so rude and nasty (i know they are not there to be our friends but come one i have already sent in payments to you showing that i am going to make the payments why wouldn't you be willing to work with someone.) I only get paid on the 15th and the 30th of each month so money is tight on that schedule and so because i was a few days late on sending in a payment they advised me that it applied to my April payment and not the March which is what caused the garnishment to go into place first off can they do that. I guess i am in just so much disbelief that a company would be like that. I am not sure if it is going to do me any good but along with that letter of garnishment was a request for me to dispute it...I did send it back along with the proof that I had been sending payments (cancelled checks) and asking if there is way of being leaniant on the amount taken out or if we can stick with the 100 and just keep the garnishment going then i know it will get paid so i am not quit sure how that is going to turn out or how that even works. maybe you can give me some insight that process. Today i received my paycheck with the first garnishment and they took out a total of 342.15 thank god for OT but as soon as i saw that it sent me in to panic attacks. You see i am a manic/bipolar i am on several types of medicines to help with that. When i saw that amount i totally flipped out crying and shaking i almost had to leave work becaue of it. I pay my mortgage on the 30th of every month which is 970.15 and after i pay that, it will leave with 52.00 for the week. Now tell me how in the world am i suppose to feed two kids, put gas in the car (especially at these prices) just have money in general to the next pay period. I am not sure if you can give me any advice but every little bit will help and sorry this is so long but i was needing to vent.
Thanks
Teresa
Thanks
Teresa
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