I moved to Texas 2 months ago. I get scam calls all the time. This time i get a call and caller ID didn't say scam call so I answered. It was a very rude man saying if I don't pay 3,929 they will send me to court and garnish my checks. I was scared and confused and I told him I can't pay that amount if I can have a payment plan. But the way he was sounding was demanding so I told him if I can call my attorney before I give any of my bank info. The guy started saying I know your going to call a friend and ask him to act like your attorney you don't have one and started yelling and harrasing me then hangs up. I was still scared and told my co signer (roommate) to call and he was talking back to her saying I know is not Mayra I know is julitza and we have a voice recorder system and we know is you. And my roommate thinks is just a debt collector trying to get some money but I am still scared and I don't want them going after my wages.
Texas allows wage garnishment for student loans, taxes, child support, and alimony. Car loans are not on the list.
If a collector is legit they will start the phone call (or letter) like this: "This is an attempt to collect a debt and any information obtained will be used for that purpose." I think you were called by a scammer.
Texas has extensive property exemptions, but if a legit collector takes a judgment against you they can come after your bank accounts.
If you want to be at ease over this, and repair your credit a little, contact the original creditor and work out a repayment arrangement.
Answers to questions are for general purposes only and do not establish an attorney-client relationship
Mr. Stevens is correct. There is proper protocol when a debt collector attempts to collect a past due debt and this does not sound like the case.
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