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Terry L.
Terry L., Attorney
Category: Bankruptcy Law
Satisfied Customers: 2496
Experience:  Better Business Bur 15yrs bankruptcy experience. Chicago Bar
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I have an old credit card debt, sears in 1998. I received

Customer Question

I have an old credit card debt, sears in 1998. I received a call from a collection agent, LLC Funding, and this guy is telling me there has been a suite filed against me by a lawyer, in 2003 in Butler County, Ohio. He is telling me to make payment arrangements with him or else the judgement against me will go to my HR dept and they will guarnish my check for $250.00. I checked the Butler County web site and there was a motion filed in 2003 and it says it is open. I was never served any papers and I now live in Hamilton County. DO I need a lawyer? Does this collection agency have rights to call my work. They say the or the lawyers can freeze my bank account and he says I should refinance my house. Please help.
Submitted: 5 years ago.
Category: Bankruptcy Law
Expert:  Terry L. replied 5 years ago.
A bankruptcy can discharge this debt. If you feel you were not served, you can try to bring a motion to vacate the judgment order. This will only really buy you some more time if you actually owe this amount, for they will just re-sue you and then collect. A judgment creditor has the right to garnish wages, up to 15% of your check, freeze your bank accounts, take your tax refunds, and/or put a lien on your home. You can sometimes negotiate with the creditor to prevent this. Since you owe the debt, you need to take some action. Creditors can collect on the debt under the terms of the fair debt collection act. Actions that are valid and or prohibited under the fair debt collection act can be found here:

FAIR DEBT COLLECTION PRACTICES ACT
Customer: replied 5 years ago.
Thanks for your time. Unfortunately My boyfreind is disabled and I wil have to hire an attorney. I hope I can get help in time. The bill collector says they will freeze my bank account and take my wadges. Thank you for your time.
Expert:  Terry L. replied 5 years ago.
you are welcome. good luck.

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