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jvalenti40
Joined: 07 Nov 2008
jvalenti40's page
Posts: 1
83 Magic Points
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Subject: PA wage garnishment
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Fri Nov 07, 2008 2:32 pm
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| can a credit card co. garnish wages in pa. even if they get a judgement against you? What are PA wage garnishment laws? |
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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4121
1011 Magic Points
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Fri Nov 07, 2008 3:14 pm
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I am not positive but almost on this but I do not believe that they can. I was under the understanding that your wages can only be garnished in PA for child support and taxes. I seen somehting on last nights News that alot of people haven't been paying there debt and the credit card companies were sending Sheriffs to their door. They get paid to do this from the cc companies. I also seen where some of the companies were dipping into peoples checking accounts gettineg their money. Legally they can not do this. I have a relative they did this to and she went and disputed it at her bank and they had to replace her funds (the bank) then go gat their money back from the cc company. Keep an eye on your checking just in case.
Can you tell me anymore about this debt..last payment? The SOL in PA is 4 years. If this debt is over four years old and you have not made a payment in that time you will be protected by the statutes of lim itation on collecting credit card debt. Others will also answer you so check back. |
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goodnatured
Joined: 03 Nov 2007
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Posts: 3733
3 Magic Points
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Sat Nov 08, 2008 4:56 pm
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The only thing that can be garnished in the great state of Pennsylvania is taxes and child support, a credit card can not garnish your wages. However, they can go into your bank account and garnish from there, so watch what you keep in the bank. If they do garnish your bank account, file a dispute. If they have a judgement your bank may not back you, so keep very little in your account so it is not there to garnish.
google what is garnishable in pennsylvania and you will get a wealth of information.
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Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online |
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fireyone
Joined: 26 Feb 2008
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Posts: 4121
1011 Magic Points
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Sat Nov 08, 2008 6:06 pm
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| I still can not figure out how they find peoples bank account numbers in order to do this. I hear of it happening all the time. I also know it is not legal. If there is another name that is first on the account how can they even garnish from that checking account? I wouldn't even call it "garnishing" I would call it stealing. I know someone will say "well didn't you steal by not paying but maybe more people will pay up when they revise these stupid credit card laws and start capping how much money they can tack on to a defaulted card and while they are at it reduce legal interest rates. |
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carol
Joined: 27 Jun 2006
carol's page
Posts: 1308
28489 Magic Points
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Mon Nov 10, 2008 2:22 am
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Hi jvalenti
Pennsylvania does not allow wage garnishment except for collection of Federal tax debt and alimony and child support obligations. Apart from PA, the three other states which do not allow wage garnishment include Texas, North Carolina and south Carolina. However, the state tax department is authorized to garnish your wages even without a judgment from the court. But your credit card debt can never be garnished in PA.
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Keep in touch
Carol |
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goodnatured
Joined: 03 Nov 2007
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Posts: 3733
3 Magic Points
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Mon Nov 10, 2008 4:16 am
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You will need to refer back to my post reply and keep an eye on your bank account.
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online |
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fireyone
Joined: 26 Feb 2008
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Posts: 4121
1011 Magic Points
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Tue Nov 11, 2008 12:05 am
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| BUT do they get your numbers from old payments you made from the same account or how do they come up with your bank account numbers? I didn't see anything in your last post about that. |
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goodnatured
Joined: 03 Nov 2007
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Posts: 3733
3 Magic Points
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Tue Nov 11, 2008 12:09 am
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I am not real sure how they come up with your bank account information, I have heard that they get it off your lender, they have all kinds of ways to come up with the information that they need. Credit reporting agencies and etc.
I don't see how credit reporting agencies can just give up your information the way they do.
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online |
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fireyone
Joined: 26 Feb 2008
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Posts: 4121
1011 Magic Points
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Tue Nov 11, 2008 12:13 am
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| I do not either . this should be a violation of your privacy. Have you had this account since you had the debt? Maybe you made a payment from it to the original creditor and they had copies of the checks or something that gave them your account number. Thats another syatem they should revise..is putting all your numbers on every check. You think by now some genius would have found a new way to do this. With electronic sheck being used by so many places all a company would have to do is read one of your checks and put through an electrnic transfer check. |
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goodnatured
Joined: 03 Nov 2007
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Posts: 3733
3 Magic Points
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Tue Nov 11, 2008 12:55 am
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It should be they can report information but not get any information, it is like they are all part of a club that is there to screw you good or bad credit. They can get all the information they want but you have to go through hell to get them to change anything that may be reporting wrong.
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online |
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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4121
1011 Magic Points
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Tue Nov 11, 2008 1:26 am
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| I just can not see how half of it was even legal. They can take their club and stick it. They need to see things would not be like this if some of the credit playing rules were changed so they were not all in favor of the collectors, just my opinion. |
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Guest
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Thu Dec 04, 2008 9:21 am
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| Does outstanding payday loans come under pennsylvania wage garnishment laws. I have 4 pay day loans all of which has been sold off to collection agencies. I got a call from one of them asking me to repay it off. Now as per the wage garnishment laws in PA, the creditors cannot garnish my wage. So if I don't pay them off will I face any problem at a later stage. |
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Justin
Joined: 17 Jul 2006
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Posts: 1093
25288 Magic Points
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Thu Dec 04, 2008 9:40 am
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You need to first check whether the SOL for the debt has expired or not. If the SOL for the debt has expired, then you need not pay off the debt and the creditors cannot do anything to recover the outstanding debt. The Statute of Limitation in PA is 4 years. Now although Pennsylvania wage garnishment laws do not allow for wage garnishment, the credit can bring judgment to garnish your checking account so that whenever any money comes to your account, it is withdrawn by the bank and deposited it with your creditor till the time the debt has been fully recovered. Now this judgment may lower your score and so try to repay off the debt if you find that you do owe money to them.
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All the Best 
Justin |
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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4121
1011 Magic Points
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Thu Dec 04, 2008 1:51 pm
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| They have to get the judge to issue a garnishment first though right? I have known a couple people here in PA that have had collectors actually go in and take money out of their accounts without their approval and then they would have to go do some paperwork at the bank to get the money back. How are they legally doing this? I have asked this question before and haven't heard a response on it. |
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linda Stokes
Guest
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Subject: judgements against someone for non payment of credit card
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Thu Jan 22, 2009 12:19 pm
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| What can the courts take from you for not payment if a judgement is made against you in court |
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