Debt collectors can be a bad lot to deal with. They will threaten you and harass you, and it can cost you time, money and your sanity.
But there are things that debt collectors may not do to you without breaking the law, which doesn’t always stop them from trying. These agencies may not garnish:
- Social Security benefits
- Federal disability benefits
- Unemployment benefits
- Railroad disability
- Federal pensions
- Workers’ Compensation benefits
- Child support
- The funds of another person with whom you may share a bank account
If you are involved in a personal injury case, however, the rules change a little bit. If someone knew about it, and you had the money, it could be attached.
If you make a verbal agreement to pay someone else’s debt, can you be held legally responsible? In the state of Georgia, a verbal agreement to pay the debt of another person would not be enforceable in court. If this happens to you, and it ends up affecting your credit report, you should dispute this, and you may do so online. It is free one time a year.
If you want to get something off of your credit report, paying a company to do so is not a good idea. A lot of times you’ll wind up in a worse place, and they’ll take your money and not do the job.
As a consumer, you have rights, and debt collectors are not allowed, by law, to harass you or a family member or anyone where you work. If you have questions, please call on us. We are here to help with your legal needs.
Call the law firm of Reynolds, Horne, and Survant today for a consultation.