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    Vicki 13's Avatar
    Vicki 13 Posts: 1, Reputation: 1
    New Member
    		  
    #1

    Jul 18, 2007, 08:49 AM
    Judgments and garnishments
    Hi

    A few months back I received a judgment on an old credit card that was bought by a collection agency. I just received a letter from them and called to set up payment arrangements. I was instructed that they did not have to accept this amount and could garnish my wages without having to file for a writ of garnishment because they have that judgment. Is this true?

    Thanks for your help! :)
    ScottGem's Avatar
    ScottGem Posts: 64,966, Reputation: 6056
    Computer Expert and Renaissance Man
    		  
    #2

    Jul 18, 2007, 08:50 AM
    If they have a judgement they still have to go back to the court to obtain a garnishment order. But that's a mere formality. They will have no problem getting one. So they have little incentive to accept a settlement for less than they can get via garnishment.
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