My bank acct was garnished I had no idea?: I have no idea what the debt could be that my acct was garnished for. All the bank could tell me was it was a debt collector
Kathryn’s answer: You should be receiving documents in the mail explaining what this is about and give you opportunity to claim exemption if one is applicable. Id check the local courts to see if there is a collection case against me and whether that case obtained a judgment. Other potential garnishment could be family support, taxes, student loans.
Where do I mail my answer to a summons for a debt collection case? :
Received a summons from an attorney for the plaintiff, and not sure where I need to send my answer? To the address on the summons (the debt collection company/plaintiff), or the office of their attorney? Both?
The attorney's office address is NOT listed in the paperwork, it was found in a search.
Kathryn’s answer: An aswer needs to be filed at the court where the lawsuit has been filed. That information should ne available on the Complaint form. There may be a fee for filing an answer. Research on court's website.
I got served a summons with no case number from a debt collection agency, is it real or a scare tactic?: The collection agency is in Colorado as well as the summons I received. I’m unsure of what to do as I have requested an itemized bill of what I apparently owe and I haven’t gotten anything regarding that itemized bill from the collection agency.
Kathryn’s answer:
Did you go to your county's court website and verify a suit has been filed. I don't know which part of the state you live but typically you can go to the court's online website and get this information. If you don't owe the debt, the amount is incorrect, or the statute of limitation has expired you will want to file an answer with the court and request the documentation.
If you owe the debt, you can still file an answer but the issue for the court to decide is not whether you can afford to pay but whether you owe the debt. The order of judgment allows the creditor to try and recover through non voluntary means. You could try to negotiate with the creditor's attorneys, contact information should be on the papers you received, hire another attorney to do this on your behalf, or maybe file bankruptcy depending on your financial situation.