Expert: Ray A Miller - 12/9/2011

Question
QUESTION: I have a small sewing business out of my home.  I sew
and sell mail straps to mail carriers, employed by USPS.
A rural carrier in Windsor, N.C. owes me $85.  She bought
mail straps and carries the U.S. mail with them and won't
pay for them.  I told her to return the straps and she won't
do that either.
      Can I do garnishment?  How do I do that?
      I made phone calls and sent many letters, to no avail.

         Thanks,     Dick

ANSWER: Before you can do anything, you will have to take her to court and get a judgement.  North Carolina not being a garnishment state there is not much you can do.  You can refer the account to a collection agency and ask them to place it on her national credit bureau file.  I wish I had better new for you.

---------- FOLLOW-UP ----------

QUESTION: Thanks for the answer.  She uses these straps at her work to
deliver the mail.  (It's odd she is witholding payment)
   I have her work phone number.   Can I get in big trouble calling
her at work. The straps are a work related item.  I think she is trying
to rip me off.  It's $85.   We are a very small company so would
appreciate getting paid.  This is my retirement income.
    
         Dick Gahler

Answer
Calling someone at work is risky.  Since you are a first party collector you can call at work but release as little information as possible.  For instance.  Ask to speak to her about the straps she purchased from you.  Do NOT mention that she owes for them.  Who knows, it may get you some business.

Merry Christmas!