I have a credit card debt that is going on three years. It has now been turned over to a collection agency wanting me to pay a huge amount to settle that I cannot afford, I offered monthly payments that I could afford, and now they say they are going to garnish my wages. Can that you done without going to court?
No. Before a collection company could garnish your wages they would have to sue you, get a judgment and then get the court permission to garnish wages. Sounds like they are just trying to scare you into coughing up a bigger payment. Be sure not to promise a payment plan you can’t make. Making a promise to pay and then defaulting on it only makes things worse.
You are not alone. I'm here to help. There is no need to suffer in silence. We can get through this. Tomorrow can be better than today. Don't give up.
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