I keep getting calls from a creditor about a bill that is not mine. I did not live at the address that the bill was at. I do not believe that I am responsible for this bill. I am in the process of clearing it from my credit report, but this collection agency keeps threatening me with a wage garnishment. What do they have to do in GA to garnish my wages? CAn they just start taking my pay check?

Hello M:

No. They have to sue you first and win before they can take your paycheck. IF they sue you, go to court and tell the judge what you told us here.

excon