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Question
i have offered to make payments to a creditor, but they state they need half of the payment or they will continue to attempt to garnish my wages. i have been told that they will credit my account but can't guarantee they won't still garnish my wages even though I'm actively making payments. what are my options?
Unfortunately, you have very few options. If they will not agree to smaller payments and your states law allows a certain percentage, there is nothing that I know of that you can do short of paying the debt off. You may want to check with your states Attorney General's office and verify this. Sorry I did not have better news.
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Answers by Expert:
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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