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Under the FDCPA, collectors can contact a third party such as your employer or neighbors only if they have not been able to locate you. But, they are not permitted to disclose the amount of the debt to anyone. However, they may be able to get your wages garnished.
Your wages can be garnished if your state law permits it and your creditors can secure a judgment from court. It is also important to note that your paycheck can't be garnished if the state in which you reside doesn't allow wage garnishment. Every state and the federal government limits the amount of money that can be garnished from your paycheck. Every state permits garnishment for debts to the government, child support, and alimony.
So, if a lawsuit has been filed against you for a debt, it is advisable that you get help from an attorney as soon as possible. If you don't appear in the court, the plaintiff can obtain a default judgment against you. The court may then issue a wage garnishment order to ensure you repay your debts.
Sub: #1 posted on Tue, 11/04/2008 - 08:20
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Sub: #2 posted on Tue, 11/04/2008 - 10:25
Here is some info the Payday loan laws for CA (just select your state),
http://www.debtconsolidationcare.com/paydayloan/explain-p dls-laws.html
Sub: #3 posted on Tue, 11/04/2008 - 11:01
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Sub: #4 posted on Tue, 11/04/2008 - 14:04
Sub: #5 posted on Tue, 11/04/2008 - 14:55
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We are writing to notify thta you are in DEFAULT of the credit agreement for the above-referenced credit card account. It si important you apy the DEFAULT AMOUNT DUE within 10 days of the date of this letter. Failure to make payment may results in Wells Fargo exercising its rights under the law in the collection of this debt. Please send the DEFAULT AMOUNT DUE to our above letterhead address.
So what can I do now? I have Care One Credit take care of my debt settlements nowt, I just paid 1 month (start 10/13)
Scaryyyyyyyyyy.Please advice. Thanks.
Sub: #6 posted on Tue, 11/04/2008 - 15:15
Sub: #7 posted on Tue, 11/04/2008 - 20:03
Sub: #8 posted on Wed, 11/05/2008 - 05:47
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Sub: #9 posted on Wed, 01/21/2009 - 23:40
Sub: #10 posted on Thu, 01/22/2009 - 01:12
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