Problem with credit card co.

Date: Mon, 03/22/2010 - 21:27

Submitted by anonymous
on Mon, 03/22/2010 - 21:27

Posts: 202330 Credits: [Donate]

Total Replies: 1

have received EARNINGS WITHHOLDING ORDER(WAGE GARNISHMENT)ON 03/03/10. Plaintiff is CAPITAL ONE BANK and I found out that they are trying to collect money from me instead of my x-husband. The number on the WAGE GARNISHMENT letter belonged to the debt collector Co. When I called them, the debt collector said that the credit card was under my ex-husband's name, but I still got charged for the bill on the credit card. They explained to me that a credit card was applied under my name and my ex-husband's name in 1997. Well, I never signed up or applied for an application for the credit cards that are being charged. So I am thinking that this situation is a fraud because I do not know who used my name for the credit card. In addition, I divorced my ex-husband at January 1999. Is there any way to stop it. My employer said they need official letter to stop it.

Well Sandy, It's really surprising to receive such an order, w

Well Sandy,
It's really surprising to receive such an order, without being a co-signer. Wage garnishment is an order of a court for an employer to withhold a certain amount of your wages as repayment for debt, so if you receive any kind of notice from your employer stating that your wages will be garnished, without getting any lawsuit papers then you must visit a lawyer.

I guess, garnishment of wages takes place only after a lawsuit has been filed and won. Moreover, if the debtor doesn't turn up after being summoned, then the question of default judgment will arise and it will lead to garnishment. But as you were no where related to the debt, you can send a debt verification letter to Capital One. On the contrary, 4 states prohibit wage garnishment for debts from creditors. So which state are you in?

lrhall41

Submitted by Chris Samuels on Mon, 03/22/2010 - 22:25

( Posts: 174 | Credits: )