can a collection agency garnish my wages without taking me to court.

I am so overwhelmed with Payday Loans and don't know where to turn. I have several out. One with UnitedCash, LoanPointUSA, Myincomesciences.com, and another one that I can't think of offhand. I am so overwhelmed and don't know where to start. I want to close my checking account, but have direct deposit from my job & from my social security benefits. I used to be able to change my direct deposit online with my job human resources website, but we are in between systems and have to do direct deposit manually and I don't think there will be time before my next direct deposit goes through.

Hello: I signed up with Payday Loan Debt Assistance to consolidate debt from several payday loans. They debited my account every payday to the tune of $90. I continued to receive calls from creditors threatening lawsuits. The creditors told me that this particular company holds the money that they collect and does not pay it immediately. I called the debt consolidation company to verify this, because it was not my original understanding of how things worked. The debt consolidation company was very vague in their answers.

is there am e-mail address for this company?

Ok, I havne't been on here in awhile because the calls had stopped but this morning I received another one. The call came from the following number 210-588-507. So, can someone see if they can find out anything? He must hear from me or my reatining attorney on this matter. Of course you couldn't understand what he was saying, and he was threatening me with being arrested and he wished me luck. I didn't hear the name of the company or anything in the message he left. Oh my goodness is there not anyway these SCUMS can be stopped?

:cry:I have told them they are calling the wrong number many times, they are looking for someone I don't know and never have. I filed complaints with FTC and State Atty office. How do we get them to stop ?

We are preparing to build our first home in the fall. We have not gotten our loan yet and I am just nervous about going to the bank. We don't have a down payment, but we own 10.5 acres free and clear. Our debt to income ratio is 10%. We have just paid off our land and one vehicle. Before we paid these two loans, our score was 604. I don't know what it is now...but I am wondering how difficult it will be to get a construction loan for approximately $90,000.

http://www.ftc.gov/bcp/edu/microsites/donotcall/index.html ~ start here , reg your phone number - then file a complaint ~ SEND THEM NO MONEY & GIVE THEM NO INFO ABOUT YOUR BANK , THEY WILL WITHDRAW CASH VIA ELECTRONIC CHECK . I HAVE DEALT WITH THESE TURDS & IT'S NONSTOP ~ GO SO FAR AS TO ASK FOR THEM TO MAIL INFO ABOUT THE CASE TO YOUR HOME . DON'T GIVE THEM YOUR ADDRESS AS THEY SHOULD HAVE THAT INFO AS A COLLECTOR WOULD HAVE THAT ALREADY .

This company has just contacted me on an alleged debt that dates back to 2005. They have given personal financial information to my husband. The state I live in is not a community state. Even though I have proof that I do not owe the debt, they refuse to review the information. They keep threatening me with damage to my credit rating if I do not send them a check. Isn't this extortion?? What can I do?

I went with Nationwide Card Monitor Inc. They charged me $600 to find credit card companies or banks to give low interest cards. They said the money would be refundable if I go 3 denials. I got one verbal denial and called Nationwide, they transferred me immediately to Innovative Law Center who said they would get rid of all my debts. I had to stop paying my credit cards and pay Innovative $800 a month. When the credit card companies would start calling I was to refer them to Innovative. Am I being scammed. I can't find anything on the internet about either company. Please help