Collections Law/garnishment

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Expert: - 10/17/2008


Question
how can you go about getting a garnishment reduced?
i live in missouri, and the garnishment was enforced for a hospital bill that was over 18,000 dollars they take more than 400.00 per month and we just cant do it anymoe. can you help?

Answer
Lisa,

I can try to help.  You will need to appeal with the court ordering the judgment and prove to them your situation.  You might also appeal you case with the people to whom you owe the money, there is an outside chance that will work with you but, don't count on it.

If your income has not decreased since the judgment was ordered, there may be nothing you can do since judgment laws are regulated by the State you live in.  I hope this helps.

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Volunteer

Ray A Miller

Expertise

I am qualified to answer questions on the following subjects: FDCPA, FCRA and HIPAA as well as medical collections, general collections and collection agency related issues. I trained these subjects at a nationwide collection agency and customer service call center and audited around 150 representatives for compliance to the laws. I have been in the Collections Industry for over 30 years. I feel that everyone deserves to be treated fairly and with compassion and that is the way I trained collectors. Even though I worked for a Collection Agency, I get great satisfaction in helping those who have been mistreated or in need of help with these confusing issues.

Experience

I was the Compliance Administrator with a nationwide collection agency and customer service call center-I have trained hundreds of collectors on the above referenced topics. I have been in the medical collections industry for over twenty years and research these topics on a daily basis.

Organizations
ACA International

Education/Credentials
Some college ACA Certified Collection Specialist

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