What is the name of your state? South Carolina.
Hi, I had a credit card with Household Bank. In 2003, I lost my job. I tried to pay what I could monthly, but I ended up not being able to pay. In June 2004, I was trying to get a payment schedule set up to where I could pay it off in 6 months. I ended up not being able to make the last 2 payments. I tried to tell the Credit Card comp. but they said I was defaulting. Now, within 2-3 months, my card has been sold 2 times and now a lawyers office has it. I have a letter from an attorney ( this is not a summons ) telling me that I am going to be sued. They said they were filing a summons. I called the attorneys, and they told me," Well we tried to call you (they tried to call me at my parents house, I have not lived there in 6 months), and you never responded, we began to file with your county in which you live." They told me that I would be sued for the amount + court costs, attorney fees, etc. I was settling with Household for $1400. I cannot even remember what the actual balance was, but the attorneys are telling me that it is for $4500. Well, I faxed them a letter telling them I dispute this and that I should not owe anything. I told them I needed more information (mainly where all this extra money came from), before I can get this figured out. I tried to get this settled with Household Credit Cards. Also, the attorneys office said "you had better call anyone who really cares about you and tell them you need the money now!!, They said we will give you 2 hours to come up with the money $4400". Also, the attorney's office had pulled a credit report on me, and for some reason, my dads credit card comes up on my credit report. It has a $10,000 limit. The attorneys office said, "well your dad has a credit card with a $10,000 limit and you had better get him to pay this off, if not, you will have to pay roughly $7500-$8000 for the card balance, and for court costs, etc.." I have a few questions, How much should I expect to have to pay? I tried to get this settled with the credit card company. 2nd what should I do, should I contact an attorney?, 3rd Was anything they were telling me threatening or illegal(By them telling me I was going to be sued, get your dad's card, etc..?, 4th What should I expect to have to pay, the original settlement with Household minus what I paid Household Credit, or some other charges? Also, I have no idea where this "Extra" charges came from. The balance they say I owe is $4400. Not even with Interest and fees, it should not have been this high, I think they added to it, or some other company added to it that bought out the card, 5th does my state have laws that prohibit my wages from being garneshed. I found a law in South carolina, that stated, for a consumer debt, that wages cannot be garnished, the law was SC Code of Laws,, s37-5-101 et seq,,Section 37-5-104 says that no garnishment. It says with respect to a debt arising from a consumer credit sale, a consumer lease, a consumer loan, or a consumer rental purchase agreement, regardless of where made, the creditor may not attach unpaid earnings of the debtor by garnishment or like proceedings. Also, the lawyers office that I spoke to, the lady said, "YOUR STATE WILL GARNISH YOUR WAGES". 6th Should I wait to be summoned and take a lawyer, or will they try to get me to settle for lessor amount (i.e. $.10 on the dollar) 7th, what happened to the settlement money that I paid Household credit cards. PLEASE HELP ME. Thank you for any and all advice!!!
Hi, I had a credit card with Household Bank. In 2003, I lost my job. I tried to pay what I could monthly, but I ended up not being able to pay. In June 2004, I was trying to get a payment schedule set up to where I could pay it off in 6 months. I ended up not being able to make the last 2 payments. I tried to tell the Credit Card comp. but they said I was defaulting. Now, within 2-3 months, my card has been sold 2 times and now a lawyers office has it. I have a letter from an attorney ( this is not a summons ) telling me that I am going to be sued. They said they were filing a summons. I called the attorneys, and they told me," Well we tried to call you (they tried to call me at my parents house, I have not lived there in 6 months), and you never responded, we began to file with your county in which you live." They told me that I would be sued for the amount + court costs, attorney fees, etc. I was settling with Household for $1400. I cannot even remember what the actual balance was, but the attorneys are telling me that it is for $4500. Well, I faxed them a letter telling them I dispute this and that I should not owe anything. I told them I needed more information (mainly where all this extra money came from), before I can get this figured out. I tried to get this settled with Household Credit Cards. Also, the attorneys office said "you had better call anyone who really cares about you and tell them you need the money now!!, They said we will give you 2 hours to come up with the money $4400". Also, the attorney's office had pulled a credit report on me, and for some reason, my dads credit card comes up on my credit report. It has a $10,000 limit. The attorneys office said, "well your dad has a credit card with a $10,000 limit and you had better get him to pay this off, if not, you will have to pay roughly $7500-$8000 for the card balance, and for court costs, etc.." I have a few questions, How much should I expect to have to pay? I tried to get this settled with the credit card company. 2nd what should I do, should I contact an attorney?, 3rd Was anything they were telling me threatening or illegal(By them telling me I was going to be sued, get your dad's card, etc..?, 4th What should I expect to have to pay, the original settlement with Household minus what I paid Household Credit, or some other charges? Also, I have no idea where this "Extra" charges came from. The balance they say I owe is $4400. Not even with Interest and fees, it should not have been this high, I think they added to it, or some other company added to it that bought out the card, 5th does my state have laws that prohibit my wages from being garneshed. I found a law in South carolina, that stated, for a consumer debt, that wages cannot be garnished, the law was SC Code of Laws,, s37-5-101 et seq,,Section 37-5-104 says that no garnishment. It says with respect to a debt arising from a consumer credit sale, a consumer lease, a consumer loan, or a consumer rental purchase agreement, regardless of where made, the creditor may not attach unpaid earnings of the debtor by garnishment or like proceedings. Also, the lawyers office that I spoke to, the lady said, "YOUR STATE WILL GARNISH YOUR WAGES". 6th Should I wait to be summoned and take a lawyer, or will they try to get me to settle for lessor amount (i.e. $.10 on the dollar) 7th, what happened to the settlement money that I paid Household credit cards. PLEASE HELP ME. Thank you for any and all advice!!!
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Mentioning arrest is ONE OF THE BIGGEST violations of Fair Debt Collection in the US (does not apply to Canada or UK though). They will excuse themselves and hang up. After that REPORT THIS IMMEDIATELY to fair Debt Collection watchdog in the US!