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Brenda
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Subject: First National Collection Bureau
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Thu Nov 12, 2009 5:13 am
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I have caller ID and when I got home tonight, I had 3 phone calls from Reno, Nevada from First National Collection Agency. I have no idea why they are calling me as I don't owe anything that I'm behind on. I just have one credit card and two houses and one of the houses is paid for. Do you think this is a scam? By the way, I just got my phone number a couple of months ago when I switched from ATT to Comcast. My number is unlisted.
However, about a month ago someone from NCO called my office looking for someone with my same name for a student loan that was 41 years old. They had the wrong SSN so my employer told them they had the wrong person. Well a couple of weeks later, they called back and asked to speak to the office manager. This time they told her I was applying for credit and they needed to verify employment. She gave them my SSN and all of my information. Now this past Monday I received a letter that they are tryhing to garnish my wages and they have substituted the other SSN with mine. I called them and pointed this out and they said it was up to me to prove that I wasn't using two SSN's and that I would have to come up with my dad's old checks to prove he paid for my education. The name is the same as mine but it is a common name, but the SSN isn't mine. Anyway my dad has been dead for over 20 years and I have no such supporting documents. NCO claims they are working on behalf of the Dept. of Education. Is it legal for them to switch SSN's on an account. They told me that the Fair Debt Act does not apply to student loans and that I would have to pay the original debt of $2000 plus $11,000 in interest and collection fees. I'm about to have a nervous breakdown as I don't have any extra money and I didn't know anything about this debt. They haven't sent me any documents yet to verifiy the debt but they have already requested information from my boss on garnishment. What in the world should I do??? |
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carol
Joined: 27 Jun 2006
carol's page
Posts: 1362
Location: Los Angeles, California
29592 Magic Points
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Thu Nov 12, 2009 6:39 am
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Hi Brenda
I'm really sorry to hear about the situation you are in right now. There are scam companies all over and they have spread deeply. But don't be frightened, these people need to be handled firmly.
Anyway, for all the debts that you are aware of and have been paid, do you have the documents (apart from the one's your dad paid for)? First check with yourself if you have all documents in place (just to be on the safe side). Now, about the debt that they are talking about, ask them to validate the debt. If they still do bring a judgment against you somehow, you can vacate the judgment at court. First send the DV letter. You can find one right here in this site
http://www.creditmagic.org/repair/sampleletter-debtvalidation.html
_________________
Keep in touch
Carol |
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warghade
Joined: 14 Jul 2009
warghade's page
Posts: 36
629 Magic Points
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Fri Nov 13, 2009 6:45 am
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First and foremost thing is that you need to ask this collection agency to validate the debt. So, you need to be prepared to face this situation.
Tell your employer about this whole story and ask them to co-operate you in this case. I think there should be some recording of the previous phone calls; it will act in your favor.
Do not loose your enthusiasm |
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wilsonH
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Subject: garnishment
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Fri Nov 13, 2009 7:33 pm
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| IF I AM A SERVER AND RELY MOSTLY ON TIPS AND MY PAYCHECKS ARE 'ZERO" DUE TO INSURANCE, TAXES AND CHILD SUPPORT HOW WILL THE GARNISHMENT WORK |
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Ric
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Subject: to pay or not to pay
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Fri Nov 13, 2009 8:02 pm
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| My wife and I live off my military retirement. We are currently helping my wife's parents and the up keep of their farm. When I was working, I took out two store credit cards to help my son start his business. However, the business has failed and he is currently looking for employment and can't make the payments for those credit cards. I know they are in my name, but we can't make the payments for those two cards. If the payments are not met, can they garnish my retirement? |
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Elaine
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Subject: Social Security money
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Sat Nov 14, 2009 6:50 pm
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| My mother, who is 83 and has alzheimer's, owns no property. She has a old debt from a credit card co. and they keep calling her and stating they are going to take her social security earnings. She does not know what they are talking about(alzheimer's) and I would like to know if they can take her social security earnings. This is her only income. |
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SHELBY JEAN
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Subject: WAGES GARNISHMENT
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Tue Nov 17, 2009 6:40 am
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| MY DAD PLAY GAMES WITH LIE'S HE IS THE DIRECTOR FROM THE IMPULSE RESEARCH IN CALIFORNIA AND THE OWNER DIE HIS WIFE HAS ALZHEIMER'S MY DAD REALLY PLAY WITH HIS SALARY SEND A LETTER HIS WAGES WAS REDUCE FROM THE ECONOMY AND HE WILL BE WORKING PART TIME HE REALLY CONTROL THE COMPANY AND HIS LIFE IS TO BE VERY DISHONEST PERSON. |
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bill
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Subject: summons
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Wed Nov 18, 2009 12:04 am
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| My only income is social security and i received a summons due to a charge card do i need to respond to this if so is there a sample response available |
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Debra
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Subject: social security and military retirement checks
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Wed Nov 18, 2009 4:27 pm
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| we have filed for bankrupsey, our lawyer says we need to put our social security checks in a saving account and have the retirement check put in a checking account, but as I understand it neither one of these can be attached in the bandrupsey is this correct? |
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Debbie
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Subject: My elderly parents have debt they cannot pay
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Thu Nov 19, 2009 3:37 pm
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| My elderly parents are on a fixed social security income and the only debt he owes is a credit card payment. They both have suffered broken bones and major surgeries recently and cannot pay the credit card. The interest rate is 29% and he had been paying for years on this credit card and little principle has been reduced. The only charge on the account if for Credit protection plan insurance of $105 a month. He can not continue to pay this now that he has no income other than SSI. What is his option? |
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Emely
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Subject: Credit card payment
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Fri Nov 20, 2009 4:56 am
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| I took advantage of buying personal things like a tv and food and a sum for paying off a personal loan. The card was meant for business. Do I have to pay tax on this as income . I get 800 ss. |
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Annette Laskaris
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Subject: Garnishment
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Mon Nov 23, 2009 10:39 pm
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| Can a credit card company Garnish my teacher's retirement check for unpais bills? |
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Hanging on by a thread
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Subject: Husband died, left debt
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Mon Nov 30, 2009 6:42 pm
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My husband died this year and had several credit cards that I was not aware of. I am in a mess financially and have been working out payment to cards that I had and used.
Can they attach my bank account when they were in his name only and only he used them? |
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Need Help Also
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Subject: Post by DannyJoe Sat Sept 12 @1:45am
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Thu Dec 03, 2009 1:02 am
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| I will possibly be in the same situation as DannyJoes mom with Cap 1. My only income is SS disability and I fell into the Medicare medication gap early this year making me unable to pay my credit card that I was never late on until I was in the hospital with 2 heart attacks and additional medication for other conditions. I need more information before I get into a judgement situation like he explained his mom is in and lose the ability to get my meds and take care of myself. What should I do? Thank you |
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Doug
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Subject: my bank accnt has been garnished.How?
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Sun Dec 06, 2009 8:03 pm
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Myself and my two daughters have social security income,I also
have disability income from an insurer,plus I have started drawing
on my personal retirement.Yet the bank has garnished our account.
On the same day I recvd the notice in the mail, I called our bank and notified them, they placed a note on our account regarding the source of all our deposits and to watch for this attempt.I also the same day delivered a challenge to garnishment to the courts.A single phone call wiped out the account, "our account". |
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