You should immediately request verification in writing. Requesting verification triggers duties for the debt collector to make sure the debt is valid. If there are any errors, a verification request may reveal them. Many credit card debts are sold without much information, so there is a chance this might not even be your debt.
Also it seems like this debt could be past the statute of limitations. Each state has differing statute of limitations for credit card debts, but I know of no state...
Generally, VA comp and Social Security are exempt from garnishment: http://www.consumer.ftc.gov/articles/0114-garnishing-federal-benefits
At any rate, it is rarely a good idea to have a judgment on your record. Consult a consumer lawyer in your area to best protect your rights. A good source for a list of consumer lawyers is the NACA website:
These Debt Buyers like Northland purchase debts that are bundled up in a package for pennies on the dollar with very minimal information. Chances are, they probably had the wrong debtor information, and you got mixed up in the shuffle. Unfortunately, debt collectors rarely believe you when you tell them they are mistaken.
I would definitely send them a dispute letter and demand verification.
Please provide more information. Depending on what kind of debt this is, it may be past the statute of limitations. Statute of limitations for debts in general (and not falling into special exceptions like student loans) are usually not longer than 7 years.
Talk to a consumer lawyer in your area to make sure your rights are protected. A good list of consumer lawyers in your area is the NACA website:
I am not a Michigan lawyer but my response may be helpful. Social security disability is exempt from garnishment even if they obtain a judgment from you.
However, I never recommend anyone from allowing a judgment to be entered. Especially if the debt is as old as you say, it may be past the statute of limitations (I believe Michigan is 6 years). I recommend contacting a consumer lawyer in your area to make sure your...
Depending on what was said exactly by the seller, you may have a claim for express warranty. You can also claim fraud and misrepresentation but they are more difficult to prove:
Your situation involves possible FDCPA and Oregon's Unlawful Debt Collection Practices Act (UDCPA).
First, the collector must send you a written Validation Notice (demand letter) that shows the amount owed. Second, if you tell the collector that you are represented, they cannot contact you except through your lawyer.
Oregon has a 6 year statute of limitations on credit card debt, so if it has been over 6 years after your last payment, the debt will be past the statute of limitations....
Send a verification request in writing to the debt collector ASAP. A debt collector generally has no duty to investigate the validity of the debt until the debtor requests verification. If they realize there was an error, they may stop collection activity.
It is a good idea to contact a consumer lawyer in your area to help you protect your rights. You can find a good list on the NACA website: