Banks, Collectors, and CRAsDiscuss the elimationa of secured and unsecured "debt", as well as tactics for dealing with debt collectors and credit reporting agencies.
how does a debt collector garnish your wages unless your provide them with info. if you dont provide them with any new info, dont file a change of address, dont give them any forwarding numbers, dont give them your bank account info, how can they garnish you?
They need your bank account info, to get inside your paycheck..... The only other way these debt collectors can garnish you is to get a judge to order garnishment, but what happens if you dont have a bank account. the judge need you to surrender a bank account if you get sued. but if you dont bank no garnishment. or does the judge order your employer to garnish your wages before they even hit your bank account?? its not like they have a computer system that can just type in your sn and find any bank accounts you have in the globe, there not that sophisticated. your thoughts??
also, what is the statue of limitations, years they have to collect there alleged debt. after so many years, they cant collect , right?
comments about head on confrotations, voiding debts are welcome, but lets keep relevant to the questions i asked above.
how does a debt collector garnish your wages unless your provide them with info. if you dont provide them with any new info, dont file a change of address, dont give them any forwarding numbers, dont give them your bank account info, how can they garnish you?
They need your bank account info, to get inside your paycheck..... The only other way these debt collectors can garnish you is to get a judge to order garnishment, but what happens if you dont have a bank account. the judge need you to surrender a bank account if you get sued. but if you dont bank no garnishment. or does the judge order your employer to garnish your wages before they even hit your bank account?? its not like they have a computer system that can just type in your sn and find any bank accounts you have in the globe, there not that sophisticated. your thoughts??
also, what is the statue of limitations, years they have to collect there alleged debt. after so many years, they cant collect , right?
comments about head on confrotations, voiding debts are welcome, but lets keep relevant to the questions i asked above.
The short answer is, that if you live in a state that "allows" wage garnishment, a "judge" orders your employer to deduct a specified pecentage of your "wages" prior to "paying" you.
The short answer is, that if you live in a state that "allows" wage garnishment, a "judge" orders your employer to deduct a specified pecentage of your "wages" prior to "paying" you.
It is important to understand the Signature Card is more than just the markings of an authorizing signature. It is agreement that you understand the entire tariff. Ask for the full agreement at your bank.
Sometimes it is a full page statement that there are no IRS liens on the personage. But most of the time you will have to wait five minutes for them to produce a seventy-page contract that was supposed to be available for reading in the lobby all along. And two or three pages will be dedicated to explaining the bank can give your funds to whomever the bank feels deserves them.
Learn about novation. You can strike through the offensive clauses and hope they want your business enough to open an account where your funds will be safe from simple Notices; which are not judgments. I know of people who have accounts where only judgments can levy or lien. Find one of those.
Now carry this same principle to employers. If you can. If you cannot because you need the job however, subjecting yourself is the only reasonable answer. Your employer has coerced your consent to be chattel for the obligations of the United States. But possibly if you are an invaluable employee, pull your record at Personnel and scratch out the lines where you agreed to have your funds diverted to demanding third parties. Maybe it will fly - maybe you will be fired. Experience tells me attorneys are a lot more frightened of their Brethren at the Treasury than employees.
Regards,
David Merrill.
Last edited by David Merrill : 03-26-2006 at 07:57 AM.
how does a debt collector garnish your wages unless your provide them with info. if you dont provide them with any new info, dont file a change of address, dont give them any forwarding numbers, dont give them your bank account info, how can they garnish you?
They need your bank account info, to get inside your paycheck..... The only other way these debt collectors can garnish you is to get a judge to order garnishment, but what happens if you dont have a bank account. the judge need you to surrender a bank account if you get sued. but if you dont bank no garnishment. or does the judge order your employer to garnish your wages before they even hit your bank account?? its not like they have a computer system that can just type in your sn and find any bank accounts you have in the globe, there not that sophisticated. your thoughts??
also, what is the statue of limitations, years they have to collect there alleged debt. after so many years, they cant collect , right?
comments about head on confrotations, voiding debts are welcome, but lets keep relevant to the questions i asked above.
Once the garnishment approved, they do assets discovery, to find where your bank, employer etc.
The debt collectors they not dumb, they no where to look for all this stuff.
its not like they have a computer system that can just type in your sn and find any bank accounts you have in the globe, there not that sophisticated. your thoughts??
Oh yes they do. If a man/woman has an account and have made the social security number available then, they will be able to track that man/woman, with ease.
It is even easier to have sums deducted from paychecks/accounts.
how does a debt collector garnish your wages unless your provide them with info.
Through a judgment in a lawsuit you failed to respond to or did so with bogus debt-elimination theories instead of viable argument that effectively disputes their claim.
First, understand there is no such thing as financial privacy. That's yet another mythology. They can and will obtain information about you and your finances from any number of sources and the worst thing is, under current "regulation" (LOL) they don't even have to divulge where they obtained the information.
They may or may not use what they learn about you in a court case. Simply knowing where your assets are allows them to come to court armed with something you may not even be aware they know. They can trap you into denying ownership of assets that you don't know they are aware of. In that case, you're doomed.
Clever only gets you so far. It all depends on how much is involved. They won't spend a lot of time and effort on a few hundred dollars, but if you're in it for several thousand, they will employ information gathering resources, some of which they won't need to bring to trial.
I'd like to see the good judge elaborate more concerning the intel methods used by the "squaliformes" as he describes the debt collectors and attorneys.
I'd like to see the good judge elaborate more concerning the intel methods used by the "squaliformes" as he describes the debt collectors and attorneys.
JRB has given a good bit of information, while he may know even more, why not look at your credit report as a spy report? It often has information about your earnings, such as your last known job. It has you current whereabouts, last known address. And it has other goodies, your bank information; who you do business with, when you pay bills; other information the credit agencies get without your knowledge or permission.
When you took out the loan, you likely gave the credit vendors your legal name, and the SSN you are using, along with permission to see your credit report in order to get the loan.
In many cases, you likely gave the credit collection agencies the right to collect your possessions, such as a mortgage. In other cases, a court judgement will likely do the same thing.
Think of all the accounts that have the SSN attached? The credit collection agencies have all this information available to attack you with.
Of course, I am not saying you cannot dispute or defend against their claims. However, the strongest position to be in, is not to give them your information in the first place. Yes, it also suggest you may have to forget the loan. Maybe you can look into no doc loans.
How much is your peace of mind worth?
__________________
"Rightful liberty is unobstructed action according to our will within limits drawn around us by the equal rights of others. I do not add 'within the limits of the law' because law is often but the tyrant's will, and always so when it violates the rights of the individual."
-- Thomas Jefferson
It is dangerous to be right when your government is wrong. -Voltaire
Bob....I'm aware that the SSN is the gateway to anything that has that number attached to it. I was wondering if the agencies were accessing LEIN or were there any other informational networks used that werent common knowledge. JRB is as far as I can tell in these matters an expert and was seeing if he would further elaborate.
Wage Garnishment
