Wage garnishments and collections

I was scrolling through this forum a bit ago, but honestly, I’m not sure if all the legal stuff and rules posted at the start are even still up to date.
I've got my eye on a condo going up for public auction, but I'm totally lost on what that actually entails. Like, how does the whole process even work? Is it enough to just show up on the day? And if nobody else shows up to bid besides me, would it be smarter to sit tight and wait for a second or third auction to see if the price drops?
Also, is there a specific amount set by the Consumer Protection Act that you have to put down upfront to participate, or is it just whatever they feel like asking? Most importantly—if I actually "win" the bid and confirm I'm buying it, how much time do I have to cough up the full payment?
😕

You should be able to find the specific deposit amount and all the other fine print right there in the official auction notice.

Can someone tell me if a legal entity that filed an enforcement order through FIN can actually withdraw it? Like, if the principal amount is paid off, what else needs to be settled with FIN specifically? The enforcement hasn't actually been carried out yet because there aren't enough funds in the account, and the person is currently in talks to get the interest waived...
Also, is there any way to get those notary fees waived or deducted?

redcrane22 said:Can someone tell me if a legal entity that filed an enforcement order through FIN can actually withdraw it? Like, if the principal amount is paid off, what else needs to be settled with FIN specifically? The enforcement hasn't actually been carried out yet because there aren't enough funds in the account, and the person is currently in talks to get the interest waived...
Also, is there any way to get those notary fees waived or deducted?

Only if the company decides to eat the costs for both JPMorgan Chase and FIN themselves. Honestly, the odds of that happening are pretty pathetic... it’s basically like asking them to just forgive part of the actual principal amount...

The FIN fee is usually around $67 and JPMorgan Chase will list their cut right there on the order... at least $50 minimum, depending on how big the total sum is...

Thanks so much. $117 That sounds reasonable enough, though I can't help but wonder if the actual hit to JPMorgan Chase might be even steeper, given that the principal amount is sitting around $2333??

Since we're talking about a legal entity, it’s really the company they work for that's on the hook, so...

So, I’m sitting on a tax debt of $1250, and the levy is supposed to hit in about 8 days. Since I don't have anything worth seizing—no assets, no steady paycheck—I want to know what actually happens next. This was just some payroll tax I owed

Maybe start by freezing those accounts at FIN... just to get things moving...

That debt dates back to 2010, so I guess it should have been settled by the end of that year.
I need to know when the statute of limitations kicks in and if there's any actual chance of me ending up behind bars.

Does anyone know where I can find the specific rule stating that quarterly bonuses shouldn't be subject to garnishment, and that they can actually be paid out directly in cash?
I'm talking specifically about things like per diems and travel reimbursements...

Alex Patel2 said:That debt dates back to 2010, so I guess it should have been settled by the end of that year.
I need to know when the statute of limitations kicks in and if there's any actual chance of me ending up behind bars.

The statute of limitations on state taxes is 10 YEARS.😲

Look, you're only heading to prison if they can actually PROVE some kind of fraud or tax evasion on your part. Honestly, I highly doubt you're that type of person!

You'll just end up paying it all back, interest and all, the second you land a job!

Benjamin Taylor6 said:The statute of limitations on state taxes is 10 YEARS.😲

Look, you're only heading to prison if they can actually PROVE some kind of fraud or tax evasion on your part. Honestly, I highly doubt you're that type of person!

You'll just end up paying it all back, interest and all, the second you land a job!

So what, you only go to prison for tax evasion? My situation isn't about evasion. Thanks.

To whom it may concern,

I recently lost a legal dispute against my bank, and now I’m facing the looming threat of wage garnishment. Since I’m already juggling credit repayments on a pretty meager salary, I’ve decided to reach out and ask if they might consider lowering my monthly garnishment amount; otherwise, I simply won't have enough left over for basic groceries or utilities. A woman in management was kind enough to provide an address where I can mail my request... Does anyone happen to know the official title for this type of petition, and has anyone here actually gone through this process before? Thanks.

redcrane22 said:Does anyone know where I can find the specific rule stating that quarterly bonuses shouldn't be subject to garnishment, and that they can actually be paid out directly in cash?
I'm talking specifically about things like per diems and travel reimbursements...

Well, you won't find anything because—honestly—any kind of monetary payout is definitely fair game for garnishment (as a legal claim)... and if you ask me, I really doubt a bonus could be handed over "under the table," since even those are taxed—at least that's how it works within our local government agencies here in the States.

Alex Patel2 said:That debt dates back to 2010, so I guess it should have been settled by the end of that year.
I need to know when the statute of limitations kicks in and if there's any actual chance of me ending up behind bars.

But you really ought to specify which exact tax we're talking about here!!! Under the Consumer Protection Act, the absolute statute of limitations is six years...

An unpaid parking ticket just went straight to collections. It was only $100, so I didn't think much of it at the time. But once they tacked on all those collection fees... well, look at the math. They ended up seizing $333 from my account. Is this actually legal??? It's absolutely outrageous.

Hey there.
I recently found myself forced to hand over a blank promissory note to someone to handle the collection process.
The problem is, absolutely nothing is being collected because apparently, there's a massive line of people ahead of me in the payment queue.
If I just sit around waiting for my turn, I might as well prepare for a century of waiting.
Is there any kind of workaround—say, using that same note as leverage to go after someone's property or assets directly?
The note is for $3333, which—for context—is a significant amount of money to me.
Thanks.

Hey there!

I’m in a bit of a bind here and could really use some quick advice on a few things.

So, yesterday, the mailman showed up at my door with an enforcement notice regarding a debt with T-Mobile—it looks like the amount is somewhere around $433—and I’m kind of panicking... I guess I’m wondering, how long do I have before they come knocking on my door again?
Also, does anyone have an idea of what the final total might actually end up being once everything is settled? And, oh! Is it even possible to set up a payment plan since I definitely don't have the full amount sitting around right now? If so, who am I supposed to reach out to about that?

Thanks so much!

You really need to get in touch with whoever is handling the garnishment, and honestly, you could have figured all this out the moment you opened that mail. Avoiding the delivery doesn't actually protect you or buy you any extra time; if anything, it just makes things worse. You haven't delayed the inevitable, and there’s a very real chance they won't even bother sending more notices—instead, they'll just move straight to freezing your bank account in a month or two.
Maybe you can work something out by reaching out to the collection agency directly, but I wouldn't count on them being particularly flexible or willing to go out of their way for you.

Can I actually file an objection or some kind of formal protest against a pre-foreclosure notice (specifically regarding utility fees) if part of the debt is already past the statute of limitations? If so, who am I even talking to, how do I go about it, and what’s the deadline? Also, does filing this thing actually pause the foreclosure process or am I just shouting into the void?

redcrane22 said:You really need to get in touch with whoever is handling the garnishment, and honestly, you could have figured all this out the moment you opened that mail. Avoiding the delivery doesn't actually protect you or buy you any extra time; if anything, it just makes things worse. You haven't delayed the inevitable, and there’s a very real chance they won't even bother sending more notices—instead, they'll just move straight to freezing your bank account in a month or two.
Maybe you can work something out by reaching out to the collection agency directly, but I wouldn't count on them being particularly flexible or willing to go out of their way for you.

The mail carrier actually told me he’ll be back in a few days, and look, if the situation was one where I should have just accepted the notice, then I would have! They can't freeze my bank account because I'm not currently employed, so the only thing in my name is my car (which means they'll probably just seize the car if I don't settle up).

What I really want to know is, is there any chance I can set up a payment plan? And, well, if that isn't an option... I guess you think it might be too late to sell the car?