My mom was contacted by a debt collector about $1700. She said she could send $1000 and they said they would send payment arrangement info for remaining amt. They received $1000 and she could not reach them for weeks after. Received notice they still filed for garnishment, did not list $1000 payment on court docs, and now list amt due as $2400. Can pay balance in 3 weeks, but again cannot reach them. Job also has policy where she could be fired for garnishment. Should she still send payment to them? Is there anything she can do?
Criminal Defense Attorney
Your mother should talk to a consumer lawyer as soon as possible. Based on your response, it appears your mother probably has a judgment against her. It is possible she was never properly served with the lawsuit and the judgment can be overturned. If she just ignored the lawsuit, it is unlikely anything can be done about the wage garnishment.
There also seems to be a question about whether payments are being properly applied. I would call a consumer lawyer in your area. You can find consumer lawyers by going to http://www.naca.net/
Insurance Law Lawyer
It sounds to me that she needs to contact a consumer attorney. There are several excellent attorneys in this area who do this type of work.
There are a couple of issues at play here; 1) the possible conduct of the debt collector (Fair Debt Collection Practices Act places strict rules on debt collectors) and 2) The judgment for garnishment.
She should probably request that the debt collector send her exactly what is owed in writing. While she is negotiating with the debt collector it would be unlikely that he will continue with the garnishment (Don't get me wrong--he might...but I can tell you from experience, it's a real pain). Also, keep this in mind. Some debts are purchased b y the debt collectors. That means that sometimes they MAY be willing to accept less.
My advise is this: Go talk to an attorney!! And, do so quickly. They can get more information from you and give you right advice. Also, just having that attorney call for you changes the entire tone of the conversation with the debt collector.
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