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?

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.

Thanks for your answer!

You're welcome. Play a little humble with them and they'll probably set you up on payments.

Good luck with it!