 Why can't Americans pay their bills on time? |
| The current credit crunch crisis stems from the fact from the American people's inability to pay their mortages on time. Why is this the case?... |
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 What do you do if someone gives you a check and the check came back NSF and there account is closed? |
| I received a check and I had deposit it and it came back NSF and I cant get in touch with the people and there accout is now closed, what do I do?... |
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 I am a small business manager. A debtor owes $250 and moved out of state. He owns no real estate.My options? |
| BTW, in my business, all the income is in small "bites"-- $25, $35, etc. so I'd rather not just let $250 just slide. The debt is 2 years old (and not bc we didn't try to collect). ... |
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 How much do Credit Repair companies charge? |
Any idea how much it costs to have a credit repair company try and fix your credit report
Additional Details
I know that credit repair is mostly a scam, but I'm curious about the ... |
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 Fiancée's Parents Taking advantage of and ruining her credit? |
| My fiancée's parents have used her credit for the past couple of years for cable, internet, and other utilities. She spoke to her mom about it and her mom supposedly canceled the dish account. T... |
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 Is now a smart time to pay off credit card debt or save? |
| I'm just curious. I should be coming into a little money sometime soon and I didn't know if it would be more wise to pay off debt or to save, seeings as the economy is being flushed down ... |
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 Credit Card Debt - Need help.? |
I am 22 years old and I can see my self quickly going into debt with two credit cards I have.
1st. I owe $1450, and make payments on time.
2nd. I owe $3559, I am over and the ... |
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 Mother passed away with lots of credit card debt? |
| my mother passed away with over 50,000 in credit card debt. she has no insurance and no estate. i am getting letters from collectors and letters from places that say they are lawyers but appear to ... |
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 I need a personal loan. i get paid in cash(no proof of income) but have a high beacon score. anyone help me?? |
you MUST prove income to join prosper folks. well.. for them to loan you money. i need around 7000.00 five will work though.
thanks!
Additional Details
NO PROSPER PEOPLE!!!!!! GEEZ!!... |
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 I hear horror stories about credit card debt. Should I really go into the credit card thing? |
| I'm 26 and I have no credit history at all. I'm always needing to make a purchase online like air tickets or internet courses. Right now I am not able to get a loan for school, a home, ... |
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 Best credit card to transfer balances too? |
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 I have a debt in collections is there a way that I can pay the origanal bill & not have any dealing w/ agency? |
When paying off debts is it possible to pay off the person who the debt is w/ instead of paying the collection agency>?
I have a hospital debt and they gave it to a collection agency. I... |
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sadiegirl_04 | Can a company garnish your check without you knowing about it or do they have to contact you first? |
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Mike
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It has to be court ordered. They will set a court date, and you will stand before a judge, etc. |
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Studly
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The problem with this question is we don't know what state you live in. Every state has different court rules and may have different procedures to notify you.
As an example and guide, let me explain Michigan's rules.
1) You are notified with a summons and complaint to appear in court.
2) If the creditor wins (or you don't show up, which make it a default) the creditor is granted a judgment. The court will mail you a copy of the judgment order.
3) The creditor files a motion to garnish your wages with the court. The court issues an order, and the creditor must a) send you a copy, b) serve a copy of the order on your employer. In most cases your employer will also notify you, but it's not required by law.
4) You have a set time to dispute this garnishment by filing a motion with the court. If you don't do it, garnishment will begin at the end of that time period.
Therefore, you should have been given several notices by the time your money is garnished.
The problem is many collection agencies do not make a "dilligent search" for you, and you are never served with any of these papers. The first time you know anything is when (if) your employer notifies you. If the creditor had your wrong address all court notices are being mailed to your incorrect address. This happens a lot! |
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Crazy cat lady >^ ^<
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NO !!! they have to have a judgement first.Did they sue you did you get served court papers? |
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scubababe_sd
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I know the government can, if you owe alot in back taxes, they will garnish your check, and all you get is a letter telling you what percentage they will take. It happened to a friend of mine. not a thing she could do about it either. |
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cireengineering
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They go straight to the employer, then the employer tells the employee. |
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thathirdrail
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depends on where you live i'd imagine I live in Ontario Canada & I know they cannot unless you sign a document stating otherwise & it has to state exact amount(s) to be legal. |
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Keith C
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u will be the last to know |
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lifetime rocker
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The law says that a proof of service to appear must be issued to the defendant. That is to say you have to be served by the plaintiff so you can appear in court and make them prove the merits of the case. If they do serve the defendant and the the defendant does not appear the plaintiff will win by default. Of course the defendant does have the right to file an appeal within 30 days of the judgment. |
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linda
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a court must issue a garnish order, they do not have to notify you of this order. Your employer must honor that order and deduct the amount specified from your check. |
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kev l
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If your in Australia and owe any money to the government than they can definitely garnish your money and have 14 days to inform you that they are doing it and why. You do not need to sign anything, they just do it. |
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Etta P
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Nope, the employer is served with court documents (which you ask for a copy of) that they are ordered to withhold a certain amount from your check and send it to a creditor or child support, or tax liens. if they don't, it's contempt! |
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george 2
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i believe all these answers are correct. |
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