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Collections Law/Ohio Garnishment

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Expert: - 10/11/2011


Question
I am being garnished by a law firm in Columbus, Ohio.  My question is, if the account is more than 6 years old and falls under the Ohio Statute of limitations for credit, can they still garnish my wages.  How do I go about finding out if they sued me before the statute of limitations expired?

Answer
Call the original creditor and ask them for the date of last activity or the charge off date then add six years.  That will give you the last day you could be sued.   If they refuse, call your states attorney general as file a complaint.  Good luck with this.

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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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