0
What if a collection agency says they have a judgment against you and they don't?
Wiki User
∙ 17y ago
Unless the judgment can be proved to be faulty the debtor has little choice but to try to protect as much personal and real property as is possible. All states have a set of exemptions which protects specific property from attachment or seizure for the repayment of debt(s). The preferred methods of executing a judgment are wage garnishment and bank account levy. However, judgments can also be used to place liens against real property or to initiate a forced sale of any non-exempt property belonging to the debtor. It would be in the best interest of the debtor to obtain legal advice, most attorneys offer free or minimal fee consultations. If the person is not certain what type of legal counsel is needed they should contact the state bar association or legal aid service in the area where they live.
Wiki User
∙ 18y ago
Wiki User
∙ 17y agoIf they say they have a judgment and in fact do not, they are breaking the law. You can report them to the Federal Trade Commision, which regulates collectors or to the American Collectors Association. Be sure first, thouhg, that there's not actually a judgment against you; you don't necessarily have to have been in court when it was granted. Demand to see written proof of the judgment before doing anything.
Add your answer:
Earn +20 pts
Is it better to pay a collection agency or let them write the debt off?
if you pay the collection agency you can get back in good credit standings , ifyou dont they can get a judgment against you, and garnish your wadges , if they do a charge off it stays on your credit for up to 10 years know and it is harder to get credit with a charge off
What happens if you dont pay collection agency?
they will stop at nothing including threatening to take your first born child but basically all they can do is sue you and get a judgment and if you have no assets they cannot take them, but if your working you could have your wages attached...
Can a lien or judgment be placed against a 100 percent permant and total Combat Veterans home?
Depends on the state that you live in. Talk to an attorney, if the collection people dont believe you're disabled.
What if you dont pay a doctors bill?
they will send it to crediotrs and then a collection agency will call you.. your creidt score will go down
What happends if you dont pay a civil judgment?
I sense that someone has filed a bogus claim against you and that either one of two things happened afterward. (1) A default was entered against you or (2) After trial the judge or jury ruled against you. Either way there is a judgment against you that you believe to be false. There is a matter of collection as a result. Be the judgment good or bad, simply sitting by and doing nothing may result in your wages being garnished, your assets and bank acounts attached or any inhereitence attached, perhaps other things depending on your state. You need to seek legal counsel about whether the judgment against you is legally void and if so, how get relief from it, if such relief is available in your state.
Does a collections agency need a judgment to begin wage garnishment?
Administrative Wage Garnishment can be done by US Department of Education, or any guaranty agency that participates in the Federal Family Education Loan Program. All they need to do is send you a notice 30 days beforehand, regular mail, to your last known address. They do not need any judgments or writs, and any state or local laws referenced below are superceded by USC 34 B 682. - - uhhh yes. not only a judgment, but they also need a writ of garnishment... if they have the writ... they more than likely have the judgment as well. you should have been served the summons... then if you didnt show up... its automatic default judgment against you. you should have also received a copy of the writ as well. chances are they have one and you just dont know about it. employers generally dont go through the trouble to set that up unless thay have been legally. A collection agency cannot instigate legal procedures. In general a collections agency will refer the account to a collections attorney. The attorney must be licensed to practice in the debtor's state. The attorney will file suit, if the suit is won,a petition for a writ of judgment is made, the judgment can be enforced in several ways, one being wage garnishment. In all these steps the debtor must be notified and given time to answer. The length of time for the debtor to respond is governed by state law. There are collection law firms, one of which has obtained the right to use arbitration. That is a different process, but, it does not change the fact that a writ of judgment has to be issued by the court of jurisdiction.
Can a credit card company get a judgment against you if your only income is soc Security Disability?
Umm I dont think so!!!
How does a business find a collection agency that is not a scam?
The best way is to pay on results. Dont agree to any contract, just agree to test them. Feed them a few small accounts and ONLY PAY AFTER YOU GET PAID. That way you'll get an idea of how they perfrom before you give them more business. I"ve used a collection agency at Headsets.com for about ten years and we dont have a contract. They just do a good job, and we pay them.
If you are willing to make payments on a debt can a collection agency refuse the payments and continue to harass you?
A collection agency is not hired to get the amount paid in payments they are paid to get the amount in full. At this point the place you originally owed the money to and did not pay may or may not be willing to take payments being that they have now hired the collection agency to get the money from you. YOu can call the original creditor and tell them you are willing to pay and if they say no then you must pay the collection agency, I have never heard of any of them taking payments. When they get hired they try to collect as much as possible of the owed amount so they can get a higher commission. They dont want payments they want money in full....
How do i find out if you have this account?
my credit car d wsa sold to another agency for collections the collection agency gave me your phone and said you have my account orginal crdiror legacy card card 4239801024374221 if you dont have it who does phone no please and co name thank you
Is it better to settle an account in collections or pay it in full via monthly payments?
Personally speaking, it is better to settle with a collection agency rather than making monthly payments. Theres only one ceveat....you must pay the collection agency in full. Example, lets say you owe $1000 to a credit card company. A collection agency will say, pay $600 NOW and this will settle the balance. So, if you dont have $600, its a 'catch-22'. You are better off making the monthly payments until the $1000 is paid.
What can happen if you dont pay a payday loan in texas?
If you don't pay a payday loan, you can have a judgment brought against you. They can also fine you a pre determined amount.
