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Can a collection agency garnish social security income?

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Every CC I talk to asks for a electronic withdrawal from my checking account to lower my payments and interest rates for a year. Advice?? I don't feel comfortable with this option and I have told them no but they said its the only way.

in 03 I had a bank account with US bank. I overdrew the account and they closed it. I checked my report today and now the account has gone to collections 6 years later and showing as being opening in July 09. I talked to the guy and he says its a demand deposit account and I dont want this showing on my account and I should take care of It and they wont do a paid for delete because its not up to them its up to the Credit Reporting burues. What should I do it freaking 6yrs old.

Yesterday I got a call from e-Care, working for Greenpicket. They told me that if I don't pay my balance by 10/1 they will contact my payroll department. Can they do that? I can't imagine what the payroll department can/will do for them...

I just went through a divorce and am in serious financial trouble. I'm falling behind on all my payments and am just going to have to let something go and I'm not sure which. The two choices I have are the house or a personal loan through citifinancial. I owe about 98k on my 1st mortgage and 26k on my 2nd but my house may sell for 110k. I still owe about 18k on my personal loan. If I could sell my house, I would because I'd like to move anyway.

I owe a few thousand dollars to creditors in which I personally guaranteed. Am I still protected by FDCPA laws? This debt collector calls my work, claimed to be an attorney, and has discussed the debt with other people then myself.

The guy calling me will not give me his address or even his company's name. The debt he is trying to collect is from about 15 years ago in another state. What can I do? Also, he has said he will call EVERY DAY for the REST OF MY LIFE!

Heck, one of my credit card balances is $690 and I could pay that off next month in full if I weren't paying the $1100 to the DM company. Another one is only $1,200. I need to figure out a Plan B to get these debts paid. The DMP is too slow as I owe overall $38,000. with varying interest rates that still tack on the interest. I've been doing this for 1.5 years. then I got caught up in the payday loan mess - which I've managed to extricate myself from thanks to this website. I just want to be able to start saving for retirement. I'll be 63 next year!!

Does anyone know if credit card companies can garnish your wages in New Jersey? I know wages can be garnished for child support and I.R.S. I am thinking of pulling out of the debit management program because it's going so slowly and the interest rates are still too high. At the rate I'm going, I'm paying $1,100 a month and will continue for the next 3 years. I'm just worried that my wages can be garnished.