new collection agency after order for guarnishment

[idahotammy]

HELP!!!!!!!! Please. Court orderd a garnishment of my wages on a debit. My wages are currently being garnished and have have been garnished been for the last 2 years for this account; however, I just recieved a letter from another agency stating the original creditor had placed my account with them and they have charged another 2,000.00 fee.
Is this legal while there is a current order?
What steps do I need to Take?
I would appreciate any assistance.
Tammy

 

[seniorjudge]

Standard answer on expired SOL (statute of limitation) and/or validation and/or dispute letters. There are thousands of posts similar to yours on this forum so I have prepared a standard answer.

SOL (Statutes of limitation are DEFENSES to lawsuits; they do NOT provide a method to stop someone from suing you. This defense means when they sue you, you answer with the defense that it is barred by the SOL.)

http://www.bcsalliance.com/y_debt_sol.html

http://www.fair-debt-collection.com/Disputing_Collections/SoL-dispute-letter.html


Validation letter samples you can get at :
www.creditinfocenter.com
and www.creditboards.com

Make sure you ask for VALIDATION (and do not accept verification).


Disputes: You can write a letter of dispute to the three credit reporting agencies.

Go this website to find instructions and samples for how to dispute: http://www.creditinfocenter.com/creditreports/

Sometimes errors are easy to remove and sometimes they stick like glue. It is inexpensive to try and not difficult.

I am NOT a creditor-debtor lawyer; stand by for further help.

I am NOT vouching for the accuracy of these websites!

Debt settlement:

http://forum.freeadvice.com/showthread.php?t=293829

 

[debt_helper]

HELP!!!!!!!! Please. Court orderd a garnishment of my wages on a debit. My wages are currently being garnished and have have been garnished been for the last 2 years for this account; however, I just recieved a letter from another agency stating the original creditor had placed my account with them and they have charged another 2,000.00 fee.
Is this legal while there is a current order?
What steps do I need to Take?
I would appreciate any assistance.
Tammy

This is a common problem. A creditor will get a judgment against you and garnish your wages, but that does not stop the interest from running on your account. It sounds like that is what happened to you, and your debt was sold to a new creditor. Selling debt while there is an order in place is legal.

Your only real course of action would have been to call the creditor and set up a payment plan that stipulated interest was to be frozen. Since you failed to do that with not only 1, but now a second creditor, you are out of luck. The garnishment will continue, and so will the interest.

You are not without rcourse. You can borrow money and call the creditor to make payments on top of the wage execution to eliminate the debt. You could also make a large payment to the account under the stipulation that the creditor freezes the interest. Otherwise, there is always bankruptcy.

Remember, you are basically at the ercy of the creditor, as there is a judgment against you. The time to request validation or verification of the debt under the Fair Debt Collection Practices Act has passed. You best course of action, if you truly believe the judgment was placed against you in error, is to make a motion to vacate the judgment. This is not an easy motion to win, especially with older judgments. Hope all this helps, although it may not be the answer you were hoping for.