Contact an attorney, preferably one versed in the Fair Debt Collection Practices Act. Wage garnishment is severely limited in Pennsylvania. Generally, failure to repay a loan will not allow the creditor to seek wage garnishment under Pennsylvania Law. If the debt collector is sending emails of this nature, they may be in violation of the FDCPA.
The information you've provided is very limited. It would likely benefit you more to seek a local attorney who offers free consultations and speak to them directly to determine your options in this matter.
I'm a lawyer, but unless you've signed an engagement letter with me, I'm not YOUR lawyer. These answers are provided for educational, informational, and advertising purposes, and are not intended to create an attorney-client relationship. You should not assume this answer constitutes legal advice or creates an attorney-client relationship. If you need legal representation, please contact a licensed attorney in your area.
I agree; you should speak with a debt collection practices attorney. I practice in this area, and I would be happy to help. 610-608-9103.
Be advised that, pursuant to new changes in debt collection laws in Pennsylvania under the debt settlement services act, anyone offering to provide you with debt settlement services must be licensed by the state (subject to limited exceptions).
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