Advice please

Welcome! Someone will be along soon to answer. In the meantime though-search this forum and you will read so many stories of people who have been in this position and what they did about it.

To have your wages garnished a CC company would have to sue you first and you would be notified, thus you would have sometime to call them and try and work something out. If you did go to court and they got a judgment then they could possibly garnish your wages but this also depends on your state as some states don't allow this. They also can't freeze your acct. etc.

On your first card this is in collections that you made a payment to - don't ever make a payment until you have something in writing from the company, since you have already made a payment I would get proof ready and have this handy, get it from your bank if that's how you paid. Also - if you did give them your checking acct number, you need to watch this account very closely as some unsavory collectors try and pull money from your account. Once you have proof you paid, I would call the collections agent again and request your receipt. If they refuse I would write them a letter enclosing a copy of your proof. Do not make any other payments to this account until they provide you with a payment plan or something you can agree to in writing and this includes the payment you already made.

As to your second account - if you were able to work something out directly with the CC company for the debt sent to collections, your letter should be sufficient, but keep proof of your payments to the original CC and make sure you check your credit report in a few months to ensure this other CA isn't reporting this debt, you don't want it showing up twice on your credit report.

Whatever agreement you are doing be sure that is it done in writing.

Take care
Nelly