Debt Collection, Garnishment, Repossession Article


Bankruptcy 101 Videos

IMPORTANT WARNING: These videos are not intended to give you legal advice, and they are not a substitute for legal advice specific to your situation that you should obtain from a qualified attorney. Go to the State Bar of Arizona website at http://www.azbar.org/ to find a bankruptcy attorney.

To watch the videos, click here.

The Bankruptcy 101 educational videos have been provided as a gift from the following organizations and individuals: The American College of Bankruptcy Foundation, The Arizona Foundation for Legal Services and Education, The Arizona State Bar Bankruptcy Section, The United States Trustees Office, The Arizona State University College of Law, The National Association of Consumer Bankruptcy Attorneys and many volunteer attorneys.


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QUESTIONS

  • I voluntarily turned in a car that i could not longer afford back to the finance company,now 4 years later, I found out that they sold the car at auction for only $50.00, far below the value and said hey are goind to sue me for the unpaid balance plus intrest, can they do that?
  • I received a notice from the IRS saying that they will levy my Social Security check for non-payment of taxes. I am 70 years old. My only source of income is Social Security of $1798 per month. I have no assets. I live in an Assisted Living facility which I pay room and board of $1649 from SocSec and ALTCS benefits pay the balance. I am left with $109 per month for personal needs. Can the IRS levy 15% of my Soc Sec? How do I stop this levy?
  • My daughter, received garnishment papers from her employer from an apartment she defaulted on. She was never notified of any garnishment by the collection agency; she was never served or summoned to court regarding the debt. Do they have to notify her before obtaining a garnishment?
  • I currently have a wage garnishment in place (am going to file bankruptcy but havent finished paying all amts yet) after 1st garnishment i fell at home breaking ankle dr. put me on short term disability, I pay into this thru work and have received disability insurance payments, my question is can my disablity payments be garnished (my wk's corp ofc is in Ohio, payroll dept there not entirely sure)or is it considered exempt
  • Can a debt collector have you served at your place of employment? I have not had any contact with the creditor, collection agency, or debt collecting attorney.
  • I am trying to deliver a notification that I intend to garnish my evicted tenant's wages or bank account. He would not tell me his address, closed his bank account, does not have a car, and lost his job. How do I deliver the notification?
  • Collection agency sent a letter instead of summons, is this the proper procedure?
  • Is there an interest percentage cap on the collectible debt? Is the debt collector allowed to negotiate the interest portion of the debt if client is able to pay? Is the debt held by a debt collection agency good forever?
  • What is the statute of limitation on Credit Card debt?
  • My mother is 89 & recieved notice of a civil suit being filed against her for a debt. She has dimensia and severe memory loss. The court & rules state she must file an answer, or an att., which she cannot afford. I have durable power of att., but court said i can't file for her. She is incompetent to deal with most anything these days. Help please?

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  • State Bar of Arizona
    www.azbar.org
  • Maricopa County Bar
    www.maricopabar.org
    Referral number 602-257-4434
  • Pima County Bar
    www.pimacountybar.org
    Referral number 520-623-4625
  • National Domestic Violence Hotline
    800-799-7233
  • Bankruptcy Court Self Help Center
    866-553-0893
  • Certified Legal Document Preparer Program
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