Medical/Dental Collections?

It is a legal rule that the collector must get the court order before they try to garnish your wages. As per the state laws a court date is fixed and you are asked to present your defense.

Be cautious because some collection agencies issue fake legal papers to get the money. Don't fall into their catch. Verify the document carefully and check with your county clerk if there is any case against you.

In regards to above poster. To garnish requires a court order. To have court order they must file a claim and win a judgement. Send a dv letter to them to enforce your rights as a consumer. Check with local courthouse to ensure they are not pulling a fast one on you.

Thank you. I didn't think they could. But I know they really like to use scare tactics.

What's a DV letter?

dv= debt validation letter. Search board under that name. It forces them to prove they have right person for debt and forces them to prove they are legally allowed to collect on debt. Please insert in letter that it inconvenient to call me and stay off phone. Read sticky at top of board titled fair debt collection practice act. It tells you what they can and cannot do. If they violate these laws you can collect money from them.

Thank you very much bulldog!

Take this sample debt validation letter and insert your info. Send the letter through certified mail and return receipt requested so that you have proof that the collection agency needs to give you the debt details you requested before any money is sent by you.