have been a customer of DMB for 2 years and they have help me settle two debts. I have one left and I felt they are not doing a good job on this last debt. Their customer service has gone from excellent to poor since I started working with them. I know there have been staff changes, however, the new staff don’t seem to be educated in what they are doing. I have had funds built up in my DMB (Global Account) and don’t understand why they didn’t try and settle with this last company. The last debt to be paid off is with Chase Bank. Timothy E Baxter and Associates is the debt collector. In July they placed a judgement on my record and DMB made arrangements to send them monthly payments of $400.00 per month.
The balance is around $16,000.00. My credit score was slowing going up and took a dive due to the public record. Now I receive a notice to garnish my state tax return. I faxed my letter to DBM and can’t get any one to answer my question as to if they are going to call or if I should call. I pay DMB the monthly fee and I wonder if I should just take and work with the law office myself since DMB have put me in a worse situation. I don’t think they care anymore… Plus once they settle I will owe DMB 25% and I think I may be able to do this on my own. Please advise.
Jo Ann
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Hello Jo Ann.
Yes, I would first figure out what is going on by contacting the attorney directly. If they are moving for a garnishment, then DMB does not likely have any agreement with them. I am sure DMB conveniently collected all of their fees while the chase card sued you and collected a judgment. There is no need for you to continue to pay DMB if the only card you have has a judgment and is garnishing wages.
DMB is not going to help you fight the garnishment. There is nothing that they can do for you or know how to do for you which is why they are not returning your calls at this point. If you look at the garnishment, you should see where you can challenge the garnishment and request a hearing. If this time has not past, I would do that to at least buy a little time and hopefully persuade the judge to reduce the amount that can be garnished.
Depending on your situation, you may need to look into bankruptcy to stop the garnishment. You need to move quickly though or the garnishment may go into effect pretty soon.
How much money do you have in your settlement account if any? I would get a refund from global and then possibly use that money to start some kind of a negotiated settlement with the attorney to avoid the garnishment, if you determine that a BK is not an appropriate route.
https://damonday.com/?GOOD
Hello Jo Ann.
Yes, I would first figure out what is going on by contacting the attorney directly. If they are moving for a garnishment, then DMB does not likely have any agreement with them. I am sure DMB conveniently collected all of their fees while the chase card sued you and collected a judgment. There is no need for you to continue to pay DMB if the only card you have has a judgment and is garnishing wages.
DMB is not going to help you fight the garnishment. There is nothing that they can do for you or know how to do for you which is why they are not returning your calls at this point. If you look at the garnishment, you should see where you can challenge the garnishment and request a hearing. If this time has not past, I would do that to at least buy a little time and hopefully persuade the judge to reduce the amount that can be garnished.
Depending on your situation, you may need to look into bankruptcy to stop the garnishment. You need to move quickly though or the garnishment may go into effect pretty soon.
How much money do you have in your settlement account if any? I would get a refund from global and then possibly use that money to start some kind of a negotiated settlement with the attorney to avoid the garnishment, if you determine that a BK is not an appropriate route.
https://getoutofdebt.org/Damon-Day
You should do it on your own, or you can use a self directed system such as http://www.mydebtportal.com