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 Posted: Wed May 30, 2007 5:33 pm Subject: Form Help Please |
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I was told to go to the do it yourself pages and find the letter to stop them from take money from my paycheck but i cant find it.
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mtm147
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AnthonyLemons
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| Posted: Wed May 30, 2007 5:47 pm Subject: |
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This is a question and answer that I got off of another site:
| Quote: | Is ther anyway to stop your wages from being garnished?
Question:
My wages have ben garnished for the past four years with another one on the way! Is there anything I can do to stop it? This garnishment is six years old and they are still coming after me! My daughter put my name on alot of things and re-opened a credit card that I closed several years ago. Please someone give me good advice as to what I can do!
Answer:
Nothing you can do about the garnishment until the debts are paid.
Pity that you let your daughter steal from you and to not hold her accountable for her actions. Hopefully she's not teaching her kids that it's OK to steal from people.
Perhaps you can get out of some of the charges and fees if you can prove that you didn't open the account of sign for things, but then they'll go after your daughter or the rest of us will have to pay.
I'd sit your daughter down and tell her that she's been shown mercy and that she'd better not do it again or you'll throw her in jail to learn a lesson about consequences of her actions. Stealing is stealing. Because you aren't holding her accountable for her actions you are enabling her to continue this way. Who knows who else she's stealing from.
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file bankruptcy or quit working.
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Unfortunately taking her to court is the only way. If she is using your name without authorization, that is fraud and she is doing a criminal act. Wage garnishments will continue if you do not find a way to stop her. Perhaps court and suing her is the only way she will get it through her head. The only other way is to quit your present job and find something that pays under the table so there is no way to trace you. Sorry!!!
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Yes. But you are probably not going to do it.
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Its' not clear if you are saying this is "rightfully " your debt or you are claiming it's your daughter's.
If its YOURS, then simply agree to a settlement amount with all the creditors who are garnishing you to make it stop.
If it's your daughter's debt, then file a police report against her, they will prosecute her.
Then notify all three credit bureaus in writing you are challenging these fraudulent accounts, and you are also requesting they put a fraud alert on your credit file (for 90 days).
Then dispute in writing to all creditors garnishing you this is not your debt legally, and you are providing them with copies of police report etc.
MAKE SURE TO NOTIFY IN WRITING THAT YOU NO LONGER WISH TO BE CONTACED BY PHONE, ONLY BY MAIL.
If they persist against your wishes, contact your local attorney general to file a complaint, get a copy fo that, then file a small claims court case against them to stop.
(you may be entitled to a financial award for court costs/emotional distress) Good luck.
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The only way to stop a garnishment is to pay off the debt (or come to an agreement with the company who owns the debt), but you may have other options. There are limits, which vary greatly from state to state, regarding how much of your income can be garnished. If the new garnishment puts you over the limit, they won't be able to garish the full amount they were awarded in court. Some of this information (exemptions from garnishment) should be listed on the garnishment materials you received, but you may want to call a lawyer or do some more research on your own. If you can't afford a lawyer, go to court on the hearing date of the garnishment, and be ready to describe how all your money gets spent each month--the judge may let you describe your income and hardships and put the appropriate limits on the garnishment without your needing a lawyer--it depends on the judge.
If you think you've taken care of things between you and your daughter, that's fine, but I think you should check up on her to make sure she really needed the money she defrauded you out of. If she just needed cable TV, maybe you do need to go to the cops about her or at least get her to start paying you back for what she stole--people get funny with letting family rob them time and time again--don't let that be you. If she really acted out of necessity and you forgave her, then fine, otherwise, teach her not to steal from her parents--just because she has kids doesn't mean you aren't still her mom. |
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welcome !!!
all-aboutfinance.blogspot.com...
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Where there are hard working people being harassed or threatened, I will be there. My site: http://anthonylemons.blogspot.com
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AnthonyLemons
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ricjil
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AnthonyLemons
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| Posted: Wed May 30, 2007 6:00 pm Subject: |
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Okay which one is it then, they havent started to garnish my wages but i dont want it to start.
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mtm147
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| Posted: Wed May 30, 2007 6:19 pm Subject: |
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aah Anthony... no probs! 
mtm, go through the letters put in Anthony's site as well as the letters section here. Find the letter that best suits in your situation and send it certified.
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ricjil
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| Posted: Thu May 31, 2007 6:43 am Subject: |
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I was told there was a letter to send to avoid them from garnishing my wages but i dont know which letter that is. I have looked at all of them, or at least the ones available to me. HELP i need to do this before they hit my paycheck.
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mtm14725
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| Posted: Thu May 31, 2007 7:00 am Subject: |
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I think you are referring to a wage assignment, not garnishment. Garnishments are court ordered and can't be stopped with just a letter. Wage assignments can.
All you need to do is send them a certified letter stating "I revoke any and all wage assignments I may have signed with XX Company, or any affiliates."
You can keep it short and simple!
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goudah2424
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AnthonyLemons
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