My ex husband and employer got a call from these guys threatning to garnish my wages if i didnt pay and was going to send someone to my house on monday I still havnt seen anyone.
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Fits scam profile..
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They would have to sue you and win, to get a court to order garnishment of your wages. They can't just tell your employer to do it. It is deceptive for them to threaten you with wage garnishment, when they haven't sued and obtained a judgement. Deceptive collection, and disclosure of details to a third party (your employer) are both illegal, violating FDCPA. FDCPA also says you have the right to demand they obtain verification from the original creditor and sent it to you by mail. These tactics are used by sleazy "debt collectors" to extort payment without providing any proof the "debt" is actually owed to them. You can sue them for violations of FDCPA, and courts can award you actual and statutory damages, and your attorney fees, if you win.
Legitimate debt collectors comply with FDCPA and similar state laws. They do NOT make threats they can't or won't carry out, or engage in deception. They will send a "g" letter notifying you of the alleged debt, and respond to your request for verification, or cease collection until they do. With verification, you can determine whether the alleged debt is really owed to them by you, whether it is in error, already paid, or someone else's debt. The debt collectors who avoid FDCPA compliance are usually doing it for a reason. Maybe the "debt" is past SOL, they can't sue, and all they can do is threaten. Maybe they don't know which of 20 "John Smith"s owes it. Maybe they're real sloppy, and just picked the first one out of the phone book. Or maybe they just made it up, and call a bunch of people with threats because some of them will pay them money. Don't be a sucker.
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Track them by phone number..
Google their phone number. Legitimate debt collectors will typically have some complaints, but will at least be trackable to a physical address, through which their license status can be verified through the state. If they're up to no good, you'll find a trail of fraud complaints tied to the phone number. The complaints willy typically reveal any consistent pattern of deceptive collection. If they're fake, and keep changing their number to evade complaints, you'll either find just a few complaints, or none at all.
Comments
They can't just tell your employer to do it. It is deceptive for them to threaten you with wage garnishment, when they haven't sued and obtained a judgement.
Deceptive collection, and disclosure of details to a third party (your employer) are both illegal, violating FDCPA.
FDCPA also says you have the right to demand they obtain verification from the original creditor and sent it to you by mail.
These tactics are used by sleazy "debt collectors" to extort payment without providing any proof the "debt" is actually owed to them. You can sue them for violations of FDCPA, and courts can award you actual and statutory damages, and your attorney fees, if you win.
The debt collectors who avoid FDCPA compliance are usually doing it for a reason. Maybe the "debt" is past SOL, they can't sue, and all they can do is threaten. Maybe they don't know which of 20 "John Smith"s owes it. Maybe they're real sloppy, and just picked the first one out of the phone book. Or maybe they just made it up, and call a bunch of people with threats because some of them will pay them money.
Don't be a sucker.
Legitimate debt collectors will typically have some complaints, but will at least be trackable to a physical address, through which their license status can be verified through the state.
If they're up to no good, you'll find a trail of fraud complaints tied to the phone number. The complaints willy typically reveal any consistent pattern of deceptive collection.
If they're fake, and keep changing their number to evade complaints, you'll either find just a few complaints, or none at all.