igbabygirl
Junior Member
What is the name of your state? AL
I have recently been getting phone calls at home while I am at work and the only message left is that I need to call the number they left and that it is important that I get in touch with them. I finally call and speak to someone yesterday. The woman informed me that she was calling regarding an account that was from 1995 in the amount of about $3000 which included about $1200 interest. The woman wanted me to send the money immediately and when I told her that I did not have that kind of money on hand she told that she was willing to work with me and I could make payments. If I did not agree to that she told that she would have to go through a nearby county. then she said that she would contact my employer and have my wages garnished at 20% and the fee would go up to $5000. Then she said that it would go on my credit report. She told me that she sent letters to my home address of which I have never received any. When I asked what company she worked for she told me it was an investment company. When I looked the company up through the BBB I learned that it is a collection agency. I don't know if this is a valid debt and if it was from 1995 hasn't the sol ran out. My understanding is that in Alabama the SOL is 6-7 years and this is almost 11 years old. What steps of action do I need to take. I have thought about sending a letter of validation or just ignore them calling and not worry about it. Do they have legal right to garnish my wages? Please Help!!!
I have recently been getting phone calls at home while I am at work and the only message left is that I need to call the number they left and that it is important that I get in touch with them. I finally call and speak to someone yesterday. The woman informed me that she was calling regarding an account that was from 1995 in the amount of about $3000 which included about $1200 interest. The woman wanted me to send the money immediately and when I told her that I did not have that kind of money on hand she told that she was willing to work with me and I could make payments. If I did not agree to that she told that she would have to go through a nearby county. then she said that she would contact my employer and have my wages garnished at 20% and the fee would go up to $5000. Then she said that it would go on my credit report. She told me that she sent letters to my home address of which I have never received any. When I asked what company she worked for she told me it was an investment company. When I looked the company up through the BBB I learned that it is a collection agency. I don't know if this is a valid debt and if it was from 1995 hasn't the sol ran out. My understanding is that in Alabama the SOL is 6-7 years and this is almost 11 years old. What steps of action do I need to take. I have thought about sending a letter of validation or just ignore them calling and not worry about it. Do they have legal right to garnish my wages? Please Help!!!
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