Can i sue debt collectors for harassment

Many federal benefits are generally exempt from garnishment, except to pay delinquent taxes, alimony, child support, or student loans.

States have their own laws about which state benefits can be garnished. Federal benefits that are generally exempt from garnishment except to pay delinquent taxes, alimony, child support or student loans include:.

If a debt is time-barred, a debt collector can no longer sue you to collect it. If you do get sued for a time-barred debt, tell the judge that the statute of limitations has run out. How long the statute of limitations lasts depends on what kind of debt it is and the law in your state — or the state specified in your credit contract or agreement creating the debt.

Also, under the laws of some states, if you make a payment or even acknowledge in writing that you owe the debt, the clock resets and a new statute of limitations period begins.

It depends on which state you live in. But even if you live in a state where a collector may still contact you, they cannot sue or threaten to sue you over a time-barred debt. If you want to stop a collector from contacting you, send your request by mail. Start by asking the collection company what its records show about when you made your last payment. You can also contact a legal aid office in your state, or research that information online.

When asking about your debt, remember that in some states, if you acknowledge in writing that you owe the debt, the clock resets and a new statute of limitations period begins. Negative information — like past-due debts — can generally stay on your credit report for seven years. Remember that paying off an old debt may not erase it from your credit history. The woman from Global Finance claims she is with arbitration. GM took my name and ss and has nothing on file with my name.

They never even heard of me. How is that possible when two debt collectors are harassing my family and I over something the company bought and would know about? Who do I trust in this situation? Please any advice would be most helpful. I recently fell behind on my bills. I have two bill collectors calling several times a day. I have a particular one that is calling my work phone after I asked them not to, they stop calling regular and started calling private, they have told me that they are going to garnish my wages, I will have to pay double and sent letters, and still have not taken any actions yet.

But I have all of the recording from when they called me at work. I have another who is calling me on a home number, that I did not provide them and I just had changed and they got it again. I Received calls at workplace from debt collection agency — today I received a debt collection letter at work..

I paid my debts off thru a consolidation program in One of the banks insists i still owe them and has a collection agency contacting me, I have the paperwork proving my debts are paid, Can i sue for harassment?

I have a loan thru a finance company thru a car dealership. The original arrangement was with another finance company. However, the finance company switch the date for me to make a car payment. Now they are calling 10 to 15 times a day. I do not answer because that is just too annoying.

I make payments to the account. But nevertheless, they have called my references seeking information on my whereabouts. I am still at my home for 8 years. I have been diagnosed with cancer and the finance company is aware of my diagnosis. I advise them I will catch up and have been paying consistently. Just 1 payment behind. So is there anyway possible for me to get them from calling so much now or do I have to change my number to have this end?

I think you will have to settle for whatever they are offering. If they offered you less amount in the past and you could not pay, then seems like you missed your chance. Question: I am receiving letters from Alliance One receivables management Inc.

They keep sending me letters in regards to paying off a closed account debt with Firestone. The problem is, is that I keep getting them with different lowerpayoff amounts than the debt. Which is Ex one in Dec for Then another in Jan stating tax time is here soon Pay off I left a message for them in Feb to pay off or monthly arrangements no call back. I called today first they say Then sorry best we can do is I would rather have paid the But did not have the money at the time. I would settle for the But I see now that they just want more money as time goes on.

How do I resolve this? Any advice? Write a comment below to share online. Or, instead you can send a secure message to our legal team.

Email is required to block spam, but will not be published. Please select your star rating. Describe your legal concern or comment Briefly describe your experience Briefly describe your experience. Please enter a valid email adress. Please enter a valid phone number. Learn more about the amount and type of damages you can collect. The sooner you contact us, the better we can build your case. And remember, if one of our creditor harassment attorney represents your case, those fees will be covered in the settlement.

Filing costs, deposition, transcripts, service fees, etc. A Debt Advisors credit harassment lawyer is happy to provide a free, no obligation, harassment case evaluation. Consumer Financial Protection Bureau.

We help determine when to sue a creditor, as well as what kind of resolve or monetary settlement a lawsuit may bring. Remember, if you decide to hire Debt Advisors to sue the collection agency, there are no upfront fees to worry about.

When your case is settled, these costs will be taken care of. Bottom line, you could end up with cash in your pocket for your trouble. By clicking on Review My Case! Positive: Professionalism , Quality , Responsiveness Quickly took all the pressures of collections and calls off mine and my wife's life. Fast to respond to questions and handle any concerns.

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