Workers Comp

[sinkingslowly]

I just wondered if you were a injured worker could your wages be garnished from an out of state collections agency? I know this account was a charge off. So I'm guessing this company purchased it and now going to try to get money from me. I am broke and barely making it on my own. I do have property in my name that belongs to my parents. The are ill and in a nursing home. Little did I know I was going to be hurt at work. I guess they will go after that next not sure at this point. I just got out of a 10 day stay at the hospital myself to find this company Asset Acceptance wants almost 18,000.
I will write a letter to get them to validate it but not to sure on the rest. Lots of good reading ahead of me. Thank God I found this site.
Sink:confused:

[heather_dawn]

Hi there.....
I am pretty new here but I think that if you receive money from a Government Agency that they can't garnish. Also, I would 1-2 punch them and have them verify that you even owe the money or what it is for. Are they reporting on your CR?

Heather

[sinkingslowly]

Hi and ty for your reply. No they are not reporting on my cr as far as last week I just found out when I ordered my cr that the account was charged off. I will have to look when that happened. Then I get out of the hospital and poof I get this letter. I did have the account. But it was not for what they are saying it was. I was very stupid a couple years ago. I went threw three major surgeries and my husband walked out on me when I needed him the most. I was slowly drowning in debt and looked into help. What I found was the devil. I found Debt Settlement USA. I told them my situation and they reassured me they could help me. I had three cc and one large hospital bill. I was current on all of them. But I knew that in a few months I was gonna go broke if I didn't do something fast. They told me to stop paying on my bills and make a payment to them for $520 per month and they would take care of it buy talking them down on the balances and paying them off with the savings I was building up.

Sounded great to me because I couldn't claim bankruptcy because I have two lots of other property in my name but they belong to my family and I would have to sell them. Or believe me I would of. But anyway within two months they got a call to settle the one cc. It was for more than I had saved in my account so I borrowed money from my parents and settled it for a savings of $700. That was not the 60% savings they promised but I settled anyway. I thought well one down and three to go.

I then got a call two months after that and at that time I only had $700 in my savings and they got a call to settle yet another one for $5000. I explained to them that I only had the $700 and they said they would work with them to lower it. Short story on that I got a letter from an attorney and he summoned me to court. I called them day and night to get help. I literally got sick over the whole ordeal. I had yet another surgery and the day I got out of the hospital I had to go to the court house and answer a summons that cost me $240 more that I didn't have. I still kept calling them again no answers. I then called the attorney and he said he would settle for no less then the $5000 so I cashed in my 401k and drained my savings to pay it. I was now broke.

I had paid Debt settlement a total of almost $6,000 for a savings of $700. They never called me back so I just gave up. I had two of them paid off and my 800 credit score was a wreck.

I still have this one that I posted for almost 18,000 and a hospital bill of 5,000. I never heard from either one till now.

I am on w/c and believe me I would love to write them a check. But I don't even know how I am going to keep a roof over my head let alone paying either one of the.

Working with that attorney I did give him a work sheet that he gave to the cc company and it showed I am barely making ends meet and now no savings and a 401k that I have to now pay back $80.00 per month I am at my limits with nothing to spare.

I just don't know how a cc can write off an account then out of the blue this company can just write to me and try to collect?

Sorry for being so winded with this but no where else to turn. I am ready to give it all up and get a little apt. and start over. I worked so hard and tried to fix it but nothing worked out.

It's funny this cc that is hovering over me was a citibank card. I wonder if they will give me a bail out like they got???

Thanks again,
Sink

[heather_dawn]

I understand how upset and frustrated you are....First I really dont reccommend anyone using a Credit Consolidation Company. I don't really reccommend anyone filing BK either unless they have have no other option at all. I also would never pay a bill off unless you get in writing from them that they will delete it from your CR when it is paid in full. By researching this forum you can do all your own credit repair. It's takes alot of time and dedication but it can be done as I am living proof of that! I have gotten over 100 things deleted from mine and my husbands CR's since the beginning of February. Including a REPO and several judgements! I am so amazed at the progress I have made in such a short time. I still have a ways to go though....We filed a BK thinking that was our only option and in reality it would have been the worst decision with all the laws ans such that they have now. So we dismissed it and decided to to our own work and deal with things the best we could even if that means that we have to pay debt. I would do a 1-2 punch and make this company verify that you even owe this debt. If they dont they have to remove it off your CR. What is the SOL in your state also? It could be past the SOL for them to even collect and they are just threatening you.

[sinkingslowly]

Ty so much for your reply. What is a SOL and how do you find out what yours is? I live in Arizona.
Sink