Can United Collection Bur garnish my wages & put lien on

The first thing you need to do is validate the debt.

This will show you exactly where you stand. It seems highly unethical for them to put a lien on your home for a consumer debt of that size. It's entirely possible that they may sue you for a judgement..If and when that happens make sure you go to your court date. You will have an opportunity there to make payment arrangements. You will not be garnished unless you fail to show up or you default on your payment arrangement.

Once you validate the debt you can avoid the whole court process by working out arrangements with the collection agency. If you can't afford the three payment installments, push them for something that you can afford. Just don't ignore the situation, that will end up being more expensive in the long run.

What state do you live in ? Some states do not allow wage garnishments.

Here is the link for wage garnishment laws and rules to determine how much money can be garnished from your paycheck in different states.ALL states allow wage garnishment for child support, alimony, taxes and federal student loans.

http://www.fair-debt-collection.com/state-wage-garnishments.html

NNC IN DISGUISE,GO AWAY ALREADY.it depends on what state your in.i am in illinois and the most they can take is 25% of my disposable income.that is income after all other deductions were made.also,i think at least in my state your income has to be at a cretain level,like 30,000.00 a year for it to be worthwhile.

Thank you for your responses. This is a great site to be affiliated with.
I'm in MI. That Brian from UCB was quite persistant. Wanted to know if I had a 401K, did I have any friends that had money, could I come up with the huge payments he was wanting. He told me he doesnt't have time to wait for my answer and he was sorry I was not being cooperative. I told him I was cooperative, I just don't have the money. Proceeded to tell me what its' going to cost when lawyers and the courts get involved. I told him, you do what you have to do. Right now I have a judgement against me and I have been faithfuly paying the monthly payment with them. They have been pretty good with me. Then Brian from UCB tone of voice kind of changed when I told him about the judgement that I already have. Don't know what that means. He said then "I wish you good luck" and hung up.
It has been really hard concentrating on my job today. He really got me frazzeled.
Mary

Actually, all states do allow garnishments for fed and non consumer debts.
In Texas, the Carolinas and Pennsylvania consumer debts are not allowed, which is what this is. The maximum for all states for consumer debts is 25%, which is federally mandated.
My job is handling garnishments!! I do this daily! If you do get served and need help, pm me.

I divorced and ended up with my ex-husband's bill of a repossessed pickup ($14,000). They just called me and said they're garnishing my wages and putting a lien on my house. They did not accept $50.00 a month (which is all I can afford). I got upset and hung up. What should I do?

No One can garnish your wages or place a lien on your house without first obtaining a judgement through the courts. Why are you responsible for your husbands debt? Did you co-sign for him to get the vehicle?

I would talk to a lawyer if I where you go to naca.net and look for one in your state.

also what state do you live in and when was the last payment made on this truck?

Who called you and threatened you?

How long ago was the Repo? What state do you live in? More info please.

It doesn't matter what state you are in, the creditor can get a judgment against you. It may not be cost effective depending on the state you live in and how much you make. In Oregon, a judgment over $3,000 automatically puts a lien against your property.

It is not Identity Theft. With honest good intentions I accepted a job opportunity. I got sucked into a scam. Nearly $100,000 was charged off against me. One creditor is attempting to garnish my wages. Can creditor touch my 401K? I am years from retirement. That is ALL I own worth money. I reside in NYC. Until crime, I sustained an 820 credit score. I am taking this to Federal investigations under RICO act. Any attorney want to assist pro-bono? I have exellent evidence, research, records. I am presently furloughed until further notice and previously earned $28,000pa as a flight attendant. I will be returning to flying but don't know when. The crime is Date Line/Night Line/20-20 TV worthy.
Thank you,
Scammed

I called UCB about a charge from 2006 for $220. I asked if they would send me the paperwork to validate the charges and the refused. They were very nasty and said they would not send anything to me and the only way I could pay them was by credit card or check over the phone. I told them I would need something in hand so I could have proof that these charges are mine and they said they would start to garnish my wages from work. That for the mere pittance of $220 they would not go any further unless I wanted to pay right there. I am not sure if they can do that or what my next course of action is...All I wanted was something sent to me because I don't even know what these charges are. Does anyone know what I can do to get this cleaned up? I don't want them to go ahead and call my work or start garnishing my wages.

Thank you.

I live in Washinton State. Bishop Marshall White atty has a lien on my house for $10,000. I didn't have the money to pay the $6000 settlement offer- because they want it in 1 lump sum- so since last November they have been garnishing my wages for $12,000.

I just found out that they also put a lien on my house, a house that I was already losing to foreclosure (set to auction in July 2010). I just got an offer for $355,000 (after much negotiation). This offer will allow me to pay my mortgage company in full, but not enough to pay my home equity loan to Boeing Employees Credit Union (they have a lien on the house, as well). My realtor has heard about what BECU usually does in these cases, but I didn't know about the credit card lien for $10,000 until the title company informed my realtor.

Any options, scenarios... Do you know how I should approach Bishop Marshall White atty? They are very aggressive. Can they stop the sale? I'm trying not to claim bankruptcy but after a fire (2008) that took my whole house, all the cars, everything I had I now have so many debts. I was paying the creditors that would allow me to make monthly payments, cause that's all I have. Please, any and all advice on this would be very appreciated.