I'm getting garneshment from a credit card from my ex in my name. I'm not disputing it but I never got any notice until my employer told me that they were starting to take money out of my check this payday
Did you ever get notice of the lawsuit? No company can issue a garnishment until they obtain a judgment against you on the debt. If you did not receive service of the lawsuit, then you may be able to file a motion to have the judgment set aside based on a legitimate defense - that the account was fraudulently opened in your name.See question
My estranged husband that I cannot find to get a divorce has gotten credit cards in my name social security # etc....I live in Alabama....I did not know anything about this debt....
In Alabama, you are not responsible for fraudulent accounts opened in your name without your permission. Immediately file a police report regarding the fraudulent accounts. You should also obtain a copy of your credit reports which you can do at the www.annualcreditreport.com. Make sure to mail this form to receive your credit reports by mail. Then you can see exactly how many accounts were opened and dispute them directly with each credit reporting agency. It is unlikely that the accounts will be deleted upon your first dispute so be sure to keep copies of your disputes, mail them certified mail, and keep records of any calls or communications you have with the credit card companies or the credit reporting agencies.See question
My husband took out a $400 payday loan back in 2010 or 2011. He was making his payments on time. One day he went to make a payment and the business had closed down. He received no notification of how to continue making payments. Even made some pho...
A Payday loan company can sue you to collect any outstanding balance but the time limit for them to do that is generally 3 years from the date of last payment. If the company is closed, then any "new" company that may have purchased the debt will have to prove that it has a right to collect. They cannot garnish any tax refund without obtaining a judgment first. You should save copies of all emails received and talk with an attorney about possible claims you and your husband may have under the Fair Debt Collection Practices Act. You should also file a complaint with the SC Department of Consumer Affairs.See question
My creditors filed judgements against me .but i filed debt settlement and i havent responded to any of the judgements.now its being said they have been granted for me to pay them what is owed.but im incapable of paying it .what will happen if i do...
The creditors cannot garnish wages in South Carolina, but they can file a lien against any property you may own. Generally the creditors will continue to seek to collect by calling you, but you can send a letter to them telling them to stop all calls. If the calls continue, you can file a complaint with the SC Department of Consumer Affairs or contact a lawyer regarding possible claims.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?
Look on consumeradvocates.org. They list attorneys by state and their practice areas.See question
I have two creditors filling false information on my credit reports. How do I get them removed ASAP. I have disputed this and it didn't work. So i need another option on what to do now?
Send in written disputes with any documentation that you may have showing that the information is false. Mail the letters to each of the credit reporting agencies by certified mail and be sure to include your name, address, date of birth, social security number and phone number on the dispute. If they incorrect information is not removed, you should contact an attorney.See question
Do I need to get a credit report??
You definitely need to file a police report on the identity theft. if your son is under 18, you may have a difficult time obtaining a credit report on him. If you get the police report first, you can send that to the credit reporting agencies and that may take care of the credit report issue.See question
I have been paying on a violin for almost 2 years. The past few months have been hard financially and I haven't been able to keep up with payments. First the calls started to my cell and then to my job. I have since starting working at a different...
You should definitely send a letter demanding they stop calling and visiting your job. You should also file a complaint with the SC Department of Consumer Affairs on the harassment the company has inflicted upon you by repeatedly calling and coming to your job, as well as threatening you. If those 2 actions do not stop the calls, you should contact an attorney.See question
I have the original amount and dates I was sued from and original company and at which dates it was charged off and satisfied. A few months later Someone picked it up almost double the amount of the original. I was told to call them to update file...
If the original debt was satisfied for less than the full balance owed, the remaining amount cannot be collected for a new party. If the debt was simply charged off, then the debt can be sold to a 3rd party for collection. However, in SC, the statute of limitations for which a company can sue you to collect is 3 yrs from the date of last payment. If the debt is about to come off your credit report, it is definitely over 3 yrs old. You should contact an attorney for more specific information.See question
What justifies contact when it comes to debt collection calls? I know the law limits the number of times you can be contacted by a single collector in a 24 hour period, But what about debt collectors that call you 5-10 times a day if you don't ans...
There are state and federal laws that protect individuals from harassing debt collectors. Your friend should contact an attorney directly for further assistance.See question