Internet's first get-out-of-debt community - 134,000 members

if the credit card debt has been written off by the bank. can the collection agent try to garnish your wages

Posted: Thu May 29, 2008 6:43 pm Subject:

Hi there and welcome! That debt may have been sold to a collection agency. They can not garnish your wages unless they go to court first and gets a judgment against you.

Posted: Fri May 30, 2008 1:04 am Subject:

What do you mean by 'written off'? how old is the debt? which state are your from?

You really need to elucidate your post for a definite answer. However, technically the CA can garnish your wage only after receiving a judgement against you. But that needs to be withing the SoL of your state.

Most of the time they'll not take the hassle to pull you to the court of law if the amount isn't big enough. They'll keep calling day in and day out to make you pay to them. If you hear from a collection agency regarding this debt, first send them a letter of validation of debt, VOD, and then proceed accordingly. But DON"T engage yourself to any negotiation before you receive a proper validation form them.

Please, let us know why are you suspecting wage garnishment, we can then help you further.

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if the credit card debt has been written off,

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