Wage garnishments and collections
in Law ·
Hello everyone, and thanks in advance for any insight you can offer. I apologize if this has already been answered, but I’m honestly so worked up right now that the more I read, the less I seem to process...
Here’s the situation. I just received a demand letter from Leka & Partners because I haven't been keeping up with my Mastercard payments. They’re demanding $10. I lost access to a specific stream of income I was using to cover those Mastercard bills, and between the principal and the interest, the total has ballooned to that amount. It’s not that I’m trying to dodge my responsibilities—I want to pay what I owe—but right now, I simply don't have the funds to cover the full balance, let alone even the minimum revolving payments I used to manage.
Now I’ve been given an eight-day window to settle the entire debt in full. I don't have the money, and if I don't comply, they claim they will pass a motion for execution to a notary public. (What does that actually imply?)
The letter states the following:
"Please be advised that—should you fail to remit payment as described above—our firm will initiate proceedings to recover the aforementioned claim from your wages, pension, or any other movable or immovable assets, for which we possess precise data and all necessary legal authorizations." Where on earth are they getting this data from, and what "assets" could I possibly have? I’m just a renter; there is absolutely nothing in this apartment that belongs to me...
Furthermore:
"In order to avoid additional costs and inconveniences at your place of employment or residence, we once again urge you to settle your debt before we commence formal forced collection procedures..." Inconveniences??? What kind of inconveniences are they talking about??? What exactly are they planning to do???
And finally:
"We also inform you that our office, acting in strict accordance with our client's instructions, will file criminal charges for fraud under Article 224 of the State Archives code should you fail to meet the aforementioned deadline."
What am I supposed to do now? Should I look into setting up a protected account through the IRS? Please, I need some advice. At this moment, I have no way to come up with an amount like 😢
Thanks.
Here’s the situation. I just received a demand letter from Leka & Partners because I haven't been keeping up with my Mastercard payments. They’re demanding $10. I lost access to a specific stream of income I was using to cover those Mastercard bills, and between the principal and the interest, the total has ballooned to that amount. It’s not that I’m trying to dodge my responsibilities—I want to pay what I owe—but right now, I simply don't have the funds to cover the full balance, let alone even the minimum revolving payments I used to manage.
Now I’ve been given an eight-day window to settle the entire debt in full. I don't have the money, and if I don't comply, they claim they will pass a motion for execution to a notary public. (What does that actually imply?)
The letter states the following:
"Please be advised that—should you fail to remit payment as described above—our firm will initiate proceedings to recover the aforementioned claim from your wages, pension, or any other movable or immovable assets, for which we possess precise data and all necessary legal authorizations." Where on earth are they getting this data from, and what "assets" could I possibly have? I’m just a renter; there is absolutely nothing in this apartment that belongs to me...
Furthermore:
"In order to avoid additional costs and inconveniences at your place of employment or residence, we once again urge you to settle your debt before we commence formal forced collection procedures..." Inconveniences??? What kind of inconveniences are they talking about??? What exactly are they planning to do???
And finally:
"We also inform you that our office, acting in strict accordance with our client's instructions, will file criminal charges for fraud under Article 224 of the State Archives code should you fail to meet the aforementioned deadline."
What am I supposed to do now? Should I look into setting up a protected account through the IRS? Please, I need some advice. At this moment, I have no way to come up with an amount like 😢
Thanks.