[mayopam9]

Are there any federal gov. collection agencies? I live in South Carolina and a collection agency called me to say I had to pay this debt in 90 days or she would garnish my wages, she said she was with the federal government and could do this. The loan was not a government loan it was through a bank for a 2007 dodge caliber car that, unforntunately, was totalled last September. The insurance paid $17514.00 and it left me owing $2700.00 I did not have Gap insurance. I needed another car to go to work so I asked the bank if I could pay the remainder of what I owed at $150.00 pm they refused, because the car was totalled. I can not make 2 car payments of $400.00 pmonth, so my loan went into default and was turned over to a collection agency Help!!

[N0help4u]

Did they give you an 800 number?
They will use tactics like saying they are a law firm or with the government
If they gave you an 800 number type it in here and see what others have to say

http://800notes.com/

[mayopam9]

No it wasn't an 800 number it is a collection agency in mariette ga

[N0help4u]

The collection agencies that come after me have 800 numbers.

[mayopam9]

I typed in the number on the 8oo # website and it showed as Focus Rec. managements

[progunr]

They are making threats that could be determined to be in violation of the FDCPA.

They will have to sue you first, obtain a judgment, and then they would be able to garnish wages if allowed in your state.

Here is a link to your rights.

Unfortunately, your failure to purchase gap insurance has left you in a bad position. Should they decide to take you to court,
The chances that they will prevail are very good.

http://www.ftc.gov/bcp/edu/pubs/cons...edit/cre27.pdf