Wage garnishments and collections
in Law ·
Hey everyone, hope you're all doing well.
I’ve got a question regarding collections and some of this legal nonsense.
Basically, I was a customer at a credit card company and ended up owing a few thousand dollars that, due to some really unfortunate circumstances, I just couldn't clear. Now, through a law firm, they're telling me I have eight days to pay off the entire balance in full, or they'll start the garnishment process and—get this—file criminal charges against me for fraud under the penal code.
I tried to emphasize that I've been with the same employer for the last three years and still have my steady income and a solid contract. So, sure, they could technically garnish my wages until I'm basically living on ramen, but still...
I'm going to give them a call today to see if I can work out a settlement, but if that fails, I need to know: can they actually pull this move given the situation? I absolutely cannot afford to have a criminal complaint filed against me.
I’ve got a question regarding collections and some of this legal nonsense.
Basically, I was a customer at a credit card company and ended up owing a few thousand dollars that, due to some really unfortunate circumstances, I just couldn't clear. Now, through a law firm, they're telling me I have eight days to pay off the entire balance in full, or they'll start the garnishment process and—get this—file criminal charges against me for fraud under the penal code.
I tried to emphasize that I've been with the same employer for the last three years and still have my steady income and a solid contract. So, sure, they could technically garnish my wages until I'm basically living on ramen, but still...
I'm going to give them a call today to see if I can work out a settlement, but if that fails, I need to know: can they actually pull this move given the situation? I absolutely cannot afford to have a criminal complaint filed against me.