There's generally no wage garnishment in SC, except for child support and certain federally related loans (e.g., federally guaranteed student loan under some circumstances). If this is a judgment on a consumer debt (like a credit card) there could be no wage garnishment; if Midlands is stating otherwise and you are a SC resident, their representation would likely violate the Fair Debt Collection Practices Act and our Consumer Protection Code.See question
I sold my home as a short sale with Wells Fargo. As the home has closed a month ago and paid it's still being reported to the credit bureau's as late. Wells Fargo said that until the county records it, this will continue to report late for up to a...
The satisfaction of the mortgage (i.e., that which would be recorded at the County Register of Deeds) should have zero to do with the reporting on the account, which is simply the payoff (even at a negotiated rate) of the loan itself. If the loan itself has been paid, and WF has received it, and more than 30 days have gone by, they have mis-reported it in my opinion. It should show as a zero balance. However, "old" late payments may still show. The payoff of the loan would not change that.See question
yesterday i recieved a letter from a collection agency demanding payment for a credit card bill my mother ran up while alive. she lived in texas@arizona the last years of her life. i live in south carolina.
Almost certainly not unless (as other attorneys say) it is a joint account. Also, if you are Personal Rep. for her estate, they MAY be writing you in that capacity and making a demand on the estate. Otherwise, no. Whether action against the debt collector may be taken or not depends on the contents of the letter.See question
I was rear ended in Charleston, SC August 2011, hired Akim Anastoupolo, attorney, who sent me to Keystone Chiropractic. I signed no paperwork with this firm. I had to hire a new attorney Clay McCullough to represent me for medical injuries. I w...
You have every right to dispute this debt. Not clear from your question if you have already disputed to the credit reporting agencies or not. If not you need to do that next. If so, and if the credit reporting agencies have already verified the accuracy of the account, you may have rights under the fair credit reporting act.See question
I recently received a letter saying that I owe 975.00 in court cost for checks written in 1999. The checks have already been paid. Is this legal?
Probable scam. I would go to this actual court before I ever paid anything on this. Highly unlikely that this is anything legit.See question
I have been denied for numerous personal loans as well as car loans, because of negligence by the court system in the county of which I reside. I do not have perfect credit, and that has played a factor as well. However, when I'm denied, the maj...
Not clear from your question whether you have a judgment against YOU that was by mistake, or whether your grandfather's judgment is being picked up on YOUR credit file. If it's the latter, your next step is going to be to make a written dispute to every credit reporting agency on which the judgment appears. If that does not correct it, you may have the right to file suit under the Fair Credit Reporting Act.See question
My sister and I were charged with shoplifting at Walmart, when items we had didn't ring up in self checkout. I have never been in trouble in my life I worked at a bank at the time (mind you I lost because of this) I would never do something like ...
The collection letter should contain information about your right to DISPUTE the debt. Ask them to itemize and provide proof of what they are demanding. Make sure you do this in writing and keep a copy of what you send. Even if this is for a criminal related charge, if they're collecting on behalf of Walmart they're still subject to the fair debt collection practices act.See question
I have already disputed this item that's on my Credit Report for over two yrs. They are filing false information on my Credit Report. Can you please tell me if there is an Attorney in my area that can help me?
It's going to depend on nature of the information and whether or not the account belongs to you or is being falsely attributed to you.See question
Chevrolet sold me and my girlfriend a Toyota tacoma. I traded in my motorcycle and they gave me 11,500 for trade in. Now they are saying they can only get 6500 for the bike. Now they want to do a new deal and want more money after I've already sig...
You would have the right to undo wind the deal in full, get your trade back, and deal with someone else. They may tell you otherwise but you have that right.See question
I live in South Carolina and I keep receiving calls from a debt collector. The collector is a local creditor (Credit Central) that i receive a small loan from (under $700) and I know in South Carolina there are laws that make the original creditor...
Credit Central would not be covered under the FDCPA becasue they are collecting their own debt. They are covered under the SC Consumer Protection Code, 37-5-108, which has some similar restrictions on contact. It would be relevant that Credit Central was on notice of the contact restriction.
Whether you have a claim or not depends on exactly what was said, and the number of communications after notice, and possibly how you were contacted (e.g., whether it was to your cell or at work, etc.)See question