What is the name of your state? Illinois
About 5 years ago, I filed bankruptcy due to credit cards opened in my name by my ex. Last fall, I began receiving notices from a credit collection agency saying that I owed almost $1000 to a credit card opened in 2001 (shortly after filing). I have tried working with these people numerous times to work out a payment plan. I have also sent a letter asking for proof that this debt is indeed mine. I have never recieved such proof and cannot recall ever opening a credit account, especially with the recent credit problems I had. My best guess is this is just one more account that was opened by my ex in my name without my knowledge. Now, the account has been turned over to a law office and they say they will sue and win judgement if my wife and I do not pay the full amount due, which we cannot do.
My question is, I already have my wages garnished for child support and to the IRS. I have figured that this is around 13% of my net pay. Do these people have to prove I opened the account and will they be able to garnish my wages any more than they already are?
Also, I don't know if this matters, but I own nothing outright. I have a car loan and rent an apartment.
About 5 years ago, I filed bankruptcy due to credit cards opened in my name by my ex. Last fall, I began receiving notices from a credit collection agency saying that I owed almost $1000 to a credit card opened in 2001 (shortly after filing). I have tried working with these people numerous times to work out a payment plan. I have also sent a letter asking for proof that this debt is indeed mine. I have never recieved such proof and cannot recall ever opening a credit account, especially with the recent credit problems I had. My best guess is this is just one more account that was opened by my ex in my name without my knowledge. Now, the account has been turned over to a law office and they say they will sue and win judgement if my wife and I do not pay the full amount due, which we cannot do.
My question is, I already have my wages garnished for child support and to the IRS. I have figured that this is around 13% of my net pay. Do these people have to prove I opened the account and will they be able to garnish my wages any more than they already are?
Also, I don't know if this matters, but I own nothing outright. I have a car loan and rent an apartment.
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