questions & answers

Question: Say a debt collector calls you, and you offer a monthly payment because thats is all you can afford. They say no thats not enough, you have to pay more.Then when you tell them you cannot afford anything more. they threaten to garnish your wages. It has been quite sometime since they have sent me any corospondance in regard to this debt, and so I thought it had been written off due to the facit it is on my credit as a bad debt. What  should I do in this matter?

Answer: The Debt, Garnishment, Repossession Article on this site that may answer several of the questions that you have. In Arizona, garnishment is governed by Title 12, Chapter 9, Article 4. While it may be possible for the debt collector to initiate garnishment proceedings against you, garnishment is very complicated. To determine how the law applies to your specific circumstance, it may be beneficial to contact an attorney. Find out more about the garnishment process and the forms needed at the Arizona Supreme Court Online.