Recently I viewed my credit report and found that the creditor has reported to the bureau for an unpaid debt. I had a talk with my lender and he said that the company authorized to collect this debt will have the right to garnish my wages. I need to know my rights in this matter.

A creditor does Wage garnishments as per the laws laid down in the Federal Consumer Credit Protection Act (CCPA). It allows garnishment to a maximum of 25% of employee's net earnings. The provisions of the CCPA are supervised and applied by the Department of Labor, Employment Standards Administration, Washington, DC. If you have legal reasons to contest a wage garnishment, please call at their office at (202) 219-8743. U.S. Department of Labor - Bureau of Labor Statistics Good luck.

:( Has anyone heard of a collection agency called SST? This has got to be one of the most annoying collection agencies around...from the calls that wont identify themselves to the rude behavior and then one of the most aggravating things a taped music that says please call SST and then leaves no number OR...please press 1 to speak to someone and they never come online to talk!!! GEEEEEZZZZ!!!! Any suggestions to help handle this calls?? Thanks!

Do you have consolidation programs and how do they work ??

I have a past debt of about $400 that has not received any payment since quite a lot of time. Now, the company is calling me up and threatening of filing a suit if I don't pay them at their mentioned date. My financial situation is not allowing me to pay that amount within the deadline put by them. They have made my condition worse by adding that they will not accept partial payments at any cost. Someone told me that if I pay $100, they will not file any case against me. I have come into this forum for your advice so that I do make this situation worse.

Hi I just got a letter from the infamous Asset Acceptance. It is for an account that was charged off back in 1992. Thankfully I do have a copy of an Experian CR from 1998 that shows the DOLA from 1992 (MAN am I glad I kept that report!). My question is, should I simply send them a validation letter, or should I go ahead and let them know that this debt is out of statute, I have proof, etc. So far, they haven't posted this account to my CR.

DON'T LIE TO YOUR MOTHER Mrs Jenkins comes to visit her son Anthony for dinner, who lives with a female roommate Belinda. During the course of the meal, his mother couldn't help but notice how pretty Anthony's roommate was. She had long been suspicious of a relationship between the two, and this had only made her more curious. Over the course of the evening, while watching the two interact, she started to wonder if there was more between them than met the eye.

OFFICE TIMETABLE :lol: :lol: :lol: :lol: :lol: :lol: 9.00 A.M : Starting Time 9.30 A.M : Arrive at work 9.45 A.M : Coffee Break 11.00 A.M : Check E-Mail 11.15 A.M : Prepare for lunch 12.00 Noon : Lunch 2.45 P.M : Browse the Internet 3.00 P.M : Tea Break 4.00 P.M : Prepare to Go Home 4.30 P.M : Go Home 5.00 P.M : Finishing Time :wink: :wink: :wink: :wink: :wink: :wink:

Can a charged off debt add on interest in it? There has been no activity in it for so long and now a collection agency is calling me to pay this debt. What should I do?

I had a deliquent account with Associates national bank. As of June 2005 it was 7 years old and dropped off my credit report. The next month, midland credit management popped up. Associates had sold the acct to Midland after it was already 7 years old. I started an investigation via equifax which yielded no results. It was stated that I never "closed" the acct so it didn't matter how old it was. If that is ture, why did the Associates acct drop off my credit report.