For this issue to have progressed this far, you have ignored a lot of mail and many phone calls. Unless you can get in contact with the original creditor (or collection agency) and attempt a settlement, you may wish to retain counsel. Never ignore these kinds of phone calls and letters. As troubling as they may be, they are never as difficult as being sued or having your wages garnished. If it were me, I would be on the phone to an attorney.
Credit cards are not assets, there's nothing to garnish from them.
Yes. Most often the sheriff has nothing to do with charging a person in a criminal case. The police agency only investigates and reports. The charges are decided and laid by the prosecuting attorney. However if the investigators are not convinced of the suspect's guilt, it would be much more difficult to gain a conviction.
Yes, it is common and proper to refer to an attorney as "counselor." In the legal profession, the term "counselor at law" or simply "counselor" is often used to denote attorneys who provide legal advice and representation.
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Nothing.