Garnishment and Other Collection Methods
– When Debt Collectors Try to Take Your Money
Can a Debt Collector Take Everything You Own?
If you have been sued by a debt collector (or original creditor), and either failed to respond or they got a judgment against you, things may have gotten “quiet.” Does this mean that they have decided to leave you alone? Do debt collectors consider the hardship a debt could cause you and decide to leave you alone? Not a chance. They could be preparing one of the worst disasters possible for you.
This book is designed to help you understand and prepare for what they’re planning to do.
You’ll know what to do to protect yourself as much as possible from what they’re planning to do to you.
They’re Looking for your Bank Accounts
If the debt collectors find your bank accounts, they can drain them of all your money without a warning, and since the banks don’t tell you what’s going on very quickly, you could find yourself with many checks bouncing, racking up huge fees, annoying creditors, and all too often, getting county prosecutors on you for writing bad checks.
If at the same time your wages happen to be garnished, you could be facing a problem that could destroy you financially.
This book will help you understand what garnishment is, how it works, and what it can do to you.
And it will help you stop it from happening to you.
If there is a lawsuit against you that has not reached a judgment, you need to defend yourself. You can do that without hiring an expensive lawyer, by representing yourself pro se. If there’s already a judgment, you need to take immediate action to protect yourself. This book will give you some valuable clues and point you to other resources that can help.
Your Legal Leg Up is a website and business designed to help ordinary people defend themselves from debt collectors before or during a lawsuit. Many debt collectors rely on unethical and unfair collections methods that violate the Fair Debt Collection Practices Act (FDCPA), which is the first and best source of debtor rights, among other laws.
If the debt collectors are after you, you owe it to yourself to look after your rights. This book will help you get started.