Advice if Garnishment Applied to the Wrong Account - The Bills.com Blog

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Advice if Garnishment Applied to the Wrong Account

Wednesday, Mar 25, 2009

Question: If a credit collection garnished my wages and apply it to the wrong account what are my rights?

Answer: Your legal rights and options depend on many things, including the state you live in, so you should consult with an attorney licensed in your state to best determine your legal standing.

But attorneys do cost money, so if you are only disputing where the money was allocated, and not the actually judgment that led to the garnishment, then you may want to first try contacting the creditor yourself to see if this mistake can be fixed without incurring the expense hiring of an attorney. After all, it may just have been a clerical error that is easily rectified.

When contacting the creditor, be sure to have on hand all the pertaining documentation
involved with this issue (i.e. the court judgment order, garnishment order, statements on the account to which you think the garnishment should have applied and the account you believe is mistakenly receiving the funds, paystubs from which the garnishment is taking place, and any other letters, statements, and documents you have relating to this situation).

Hopefully
you and your creditor are able to correct this matter easily and without legal action. If not, then unfortunately, you will have to contact an attorney and discuss your legal options.

I wish you the best of luck in resolving this account, and hope that the information I have provided helps you Find. Learn. Save.

Best,
Bill
www.bills.com/blog/

Also, make sure to get a free financial health check-up with Bills IQ!

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Bill has answered all sorts of questions and has been able to provide those in need of financial guidance with helpful and valuable advice and information on their specific financial area of interest. If you need specific guidance on any of the above mentioned financial areas, feel free to Ask Bill your financial questions and get better informed. Also, make sure to get a free financial health check-up with Bills IQ!

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