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Dawn.Olson
Jun 1, 2006, 01:07 PM
Hello,

I received a phone call from a law firm re: a balance that I owe on a bad checking account. The gentleman told me that he was giving me a chance to pay voluntarily before they garnish my wages. Is a collector authorized to garnish my wages for a bad checking account?

RickJ
Jun 1, 2006, 01:13 PM
Yes, but not without filing a lawsuit and being granted a judgment.

Typically collectors like that, yes even ones who are law firms, try to make it sound as if the garnishment is "imminent" when it is not.

Dawn.Olson
Jun 1, 2006, 01:17 PM
Thanks for your answer!

RickJ
Jun 1, 2006, 01:21 PM
You're welcome. Play a little humble with them and they'll probably set you up on payments.

Good luck with it!