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Laura Gonzalez50 said:You should have been notified about the garnishment; you're supposed to receive and sign a notice. If you didn't sign it, it's usually treated as if you never received it, so the garnishment shouldn't have started... though there is a rule where they try to deliver it twice, and if they can't find you, they leave a notice, and after 15 days, you're legally considered served.
Yeah, I still haven't received any kind of official notice at all... The only thing that actually showed up was a letter from that debt collection agency back in April, and since then, it's just been total silence...
I went ahead and paid that first installment just like we agreed, but I don't see myself paying anything else until I get some actual paperwork showing that I owe roughly $1000... I mean, how am I supposed to know exactly what I'm paying for if I don't have anything in writing? The lady told me that once I finish these ten installments, I'd need to check back in so they could tell me the interest amounts I'd still owe after that... but what on earth is that interest for if I'm already paying off my balance with T-Mobile
...
Just to be clear, I'm definitely not trying to dodge my bills with T-Mobile, and I was more than happy to settle that part of it, but now it feels like I'm being hit with all these extra fees that don't even seem legitimate...
Hey everyone, I could really use a little bit of help or some advice if anyone has a moment...
So, basically, since I haven't been back in the States since last year, I missed my T-Mobile bills starting from October 2014. My contract was supposed to wrap up in February once that 24-month term hit, but they just kept sending me invoices even after the expiration date passed.
I honestly had no idea the billing wouldn't just stop on its own, though I guess that’s totally on me...
The total amount I owe T-Mobile is about $600. Back in April, I got a notice from Solvent, a debt collection agency, saying I needed to pay $367 within eight days.
After that, everything went completely silent and I didn't hear a single thing.
Now that I'm finally back in the US, I reached out to Solvent first to try and work out a payment plan, because I'm not trying to dodge anything—it's just that I wasn't even in the country to handle it.
They just told me to call T-Mobile because they don't have any more details on my account.
So I called T-Mobile, and they told me I've actually been sued and my file was handed over to the law firm of Schumer, so they gave me their number.
I called the firm, and this super rude lady—who wouldn't even give me her name, which is just great, by the way—told me my current balance is $1000, which includes the principal of $600 plus interest and all sorts of other stuff she listed.
I asked her nicely how it was possible that I never received any notification regarding an active collection proceeding under the Bankruptcy Code, as she claimed. She just shot back that they aren't obligated to constantly update me, and since I didn't respond to the notices from Solvent, they moved forward with the legal action.
When she asked if I'd received any official court orders or anything similar at my house, I told her no, and she just shrugged and said, "Well, you can expect one any day now."
In the end, I did manage to settle on an installment plan with her...
I'm not denying that I owe T-Mobile money, that part is clear. But I really don't feel like paying all this extra interest and legal fees when I never even got a heads-up that things were escalating.
Could someone please help me make sense of this? Is it actually true that they don't have to notify me before starting legal proceedings, or am I right to be upset here, or should I just keep my head down and pay whatever they're asking...
Thanks so much