How can I stop a collections agency from gernishing my check on a 11 year old credit card, I’m a independent contract worker on comission.
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How can I stop a collections agency from gernishing my check on a 11 year old credit card, I’m a independent contract worker on comission.
Asked on May 25, 2009 under Bankruptcy Law, Georgia
Answers:
B. B., Member, New Jersey Bar / FreeAdvice Contributing Attorney
Answered 15 years ago | Contributor
I'm not a Georgia attorney, but my research suggests that the statute of limitations on a credit card in your state is four years. So either there is nothing to worry about, because they cannot garnish your income or force you to pay, if they haven't already sued you -- or, if they already sued you and got a judgment, there is really no way to stop them from collecting without filing for bankruptcy.
If they haven't sued you, it is best to avoid talking to the collection agency at all, or simply say that you don't owe them anything. If they keep harassing you, you may have rights under the debt collection practices laws, and you should talk to an attorney about that. One place to find qualified lawyers is our website, http://attorneypages.com
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