Yes, if they follow the proper legal steps.
These steps would begin with a lawsuit. If Household won the case and got a judgment against you, the statute of limitations, and their remedies for collecting (including wage garnishment)would be established by your state's laws.
YES
I've had an unemployment overpayment in Iowa for nearly 10 years and have never had any of my wages garnished.
yes it is an option for them
Time to GarnishmentThe creditor first has to get permission from the courts to do so. It takes up to two years for the process. But it could take as little as six months. In Texas they can't garnish your wages at all.True, in Texas creditor's can not garnish your wages, but once the money is deposited in to your account, is not wages anymore and yes only after a judgment creditor's can freeze your bank accounts! If you are being sued, contact an attorney and and get legal advice. Filing for Bankruptcy will stopped everything.
You need to check with you local statutes under contracts for the statute of limitations most only go for two years
A creditor cannot garnish your wages unless they file a lawsuit and obtained a judgment against you. The time deadline to file a lawsuit will vary by state.
It depends on the state you live in. It is probably nearing the time limit and is why they did something now.
ONLY if they have a judgment for the balance owed on the loan
You should contact an attorney to determine whether or not the garnishment is legal or not. Typically repossessions and foreclosures do not have garnishments afterwards.
In most states, yes, if they have a judgment. Judgments are enforceable for ten years with a potential ten year extension (in New York, judgments are enforceable for ten years from the date of judgment).
In Texas, they take you to court on a judgment in order to collect. Statutes of limitations on debt collection in Texas is four years. Debtors cannot garnish any wages.
I'll say that it's illegal to try to collect money from someone whoowes you personnaly at their place of employment. If you try to do that, you'll have 25-30 years of prison so, you don't want to do that It is NOT illegal to garnish ones wages if you have a Judgement. In Hawaii you can garnish wages 25% by law, put a lien & also freeze bank account funds. I know this for a fact cause this is my job.