Jeffrey Scott Hyslip's Answers

I received a summons to collect cc debt

Tigard, I am not licensed in the state of Oregan so please keep in mind I am answering the question based on previous experience in other states not based on Oregan law. I would encourage you to contact your local county bar association and see if any attorney will represent you pro bono (for free). With that said, a law suit has been filed against you. If you don't answer the lawsuit (meaning file a legal document disputing the allegations in the suit) then you will likely...

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Can I ask for garnishment of wages first

No. He will need to default before a court enters a garnishment against him.

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If an account was written off and sold do I still pay the full amount or what it was sold for ?

You are still legally obliged to pay the full amount. However, most debt purchasers purchase debt for a fraction of the owed amount. Therefore, you may be in a good position now to barter with the company. If you can borrow some money from friends, etc. (assuming you DO owe the debt) contact the agency and attempt to settle the debt for 50% of what you owe. Depending on multiple factors, I'd be surprised if they didn't accept your offer.

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How many time and how often can your wages be garnished

A judgment creditor can garnish money until the judgment, and interest, is paid in full. See if you can locate the amount of money that you "owe" and then you will be able to determine how long the garnishment will run.

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Must i appear in court for a credit card judgement or will the a default judgement be ordered if i do not appear

I am not licensed in your state and even courts have local rules that I am not familiar with. However, in most of the Courts where I have practiced, if a Complaint has been filed against you, you must either FILE AN ANSWER or APPEAR FOR A HEARING. Read the summons that you received. If it says you must appear, you must appear. The court is neutral so anything you receive from them obey.

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Is there a limit to the amount a collection agency can add to the original amount of the debt once they have "bought" it?

Ogden, I don't practice law in your state, so please understand I am not giving you legal advice here. The ability of a debt purchaser to tack on additional fees, etc. is based on the agreement that you originally signed. If you have a copy of the contract for the furnature, see what that contact said. If the agreement didn't have interest, then no, the purchaser cannot start adding interest. If the debt collector is not attempting to collect an amount more than the contact allowed they...

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Can a debt collector refuse to give me their mailing address?

Greeetings, If GC Services is contacting you at work after you have told them not to contact you there you most likely have a FDCPA case. You can sue them and recover some money, get them to stop harassing you, and have your attorneys fees paid for. I strongly encorage you to get in touch with an attorney. For more information on the FDCPA, visit www.fairdebthelpers.com. Good luck! Jeffrey

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Can a bill collector call and harass you at work if you tell him not to?

The FDCPA prohibits debt collectors from contacting you at any inconvenient time or place. Additionally, it prohibits debt collectors from communicating with any third parties while collecting debts. As such, it appears there is no legal basis for the debt collectors to be speaking with your co-workers. Furthermore, if they continue to call your place of employement after you even TELL THEM OVER THE PHONE not to call you at work again, they have also violated Federal Law. Find an attorney...

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Can I sue a debt collector?

Based on the facts you presented above, it sounds like the FDCPA may have been violated. Feel free to visit www.fairdebthelpers.com for more information on the FDCPA. Make sure you hire an attorney that focuses their practice on the Fair Debt Collection Practices Act. There is a chance that you owe a debt to a creditor that has an office in Texas, however, I still believe the collectors remarks to be misleading (assuming there isn't a pending matter involving you in the state of Texas).

What should I sue a collection agency for, for harassment, and verbal threatning and for harassing my co-workers to get to me?

Greetings, Since you have consulted with an attorney, it is unlikely anyone on here will disagree with his/her assessment. He/she has more facts about your case than we do. I have filed many cases against collection agencies and demanded $10,000.00 plus costs and attorney fees. However, every case is different (and many settle for much less than that). There is a Federal Law (The FDCPA) that regulates collection agency harassment. Under the statute you are entitled up to $1,000.00 in...