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Question
I got into a terrible cycle of getting payday loans because my boyfriend lost his job a week after I had our child. I just recently stopped paying them because I felt like I was getting nowhere with the balances, I would get one out to pay another then I needed another one it just got really bad I have about 6 out currently!! What I want to know is can they sue me for not paying them because I have not contacted them to let them know my situation? Can they garnish my wages, I live in Cleveland Ohio? If the case goes in their favor can they try to take my house from me?
Kandis:
Yes, the can sue you and yes, unfortunately, they can garnish your wages. They cannot "take" your home but, a judgment creditor may place a lien against title.
They would first have to institute a civil action against you before doing any of the above.
Apex Credit Services, LLC
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Apex Credit Services, LLC
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Our expertise encompasses the legal frameworks under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, the Fair and Accurate Credit Transactions Act amendments to the FCRA, and the FCRA. We are also well versed in Tennessee and West Virginia consumer law as well as Texas consumer law. DISCLAIMER: NO PART OF ANY COMMUNICATION FROM APEX CREDIT SERVICES, LLC IS TO BE CONSTRUED AS LEGAL ADVICE. APEX CREDIT SERVICES, LLC IS NOT A LAW FIRM. SHOULD YOU SEEK LEGAL ADVICE, CONSULT A LICENSED ATTORNEY IN YOUR JURISDICTION.
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Our staff is comprised of CCPA experts. Apex Credit Services, LLC, which is a registered, licensed, and bonded credit services organization and certified by the Consumer Data Industry Association.
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