Tweet
I have a friend who I recently met through my church that knows I did the Dave Ramsey class, write for some newsletters and work with budgets at a crisis center. She asked me one I can't really answer....so I am turning to you all till I can help her get to proper counsel.
She had a credit card before she married a year ago. Her husband was never on the card. She has not been working. Her husband took a huge cut in pay in order to keep his job. She has been looking for a job, but no luck yet. Meanwhile, she is 4 months behind on a credit card. A collection agency is calling her 10-15 times a day. They told her she would qualify for a program with no interest or fees if she pays $30 a month but the first payment has to be made next week, directly out of her checking account. Her account is currently overdrawn. They told her to use his account, she said she couldn't because she is not on his account (his mother is on it and he wants to leave it that way). They said they would garnish her husbands wages for the full monthly amount due. She asked how they could do that when his name is not on the account and they said they could because they are married and her debts are now his debts...
She an pay the $30 a month but won't have it until the 5th of the month. Her husband does not want anything to come out his account directly--he has been burned by this in the past, where additional funds came out.
They also told her that if she put the $30 into her acount and told the bank it wa for this payment, it would go to them--which I told her wont happen if she is overdrawn.
Does anyone know if #1, they can garnish his bank account or paycheck for this???
#2 can they force her to make automatic payments directly from a checking account?? They were even trying to get her to give them her parents or a friends checking account number, accounts that her name isn't even on--in my opinion this would be illegal???
She had a credit card before she married a year ago. Her husband was never on the card. She has not been working. Her husband took a huge cut in pay in order to keep his job. She has been looking for a job, but no luck yet. Meanwhile, she is 4 months behind on a credit card. A collection agency is calling her 10-15 times a day. They told her she would qualify for a program with no interest or fees if she pays $30 a month but the first payment has to be made next week, directly out of her checking account. Her account is currently overdrawn. They told her to use his account, she said she couldn't because she is not on his account (his mother is on it and he wants to leave it that way). They said they would garnish her husbands wages for the full monthly amount due. She asked how they could do that when his name is not on the account and they said they could because they are married and her debts are now his debts...
She an pay the $30 a month but won't have it until the 5th of the month. Her husband does not want anything to come out his account directly--he has been burned by this in the past, where additional funds came out.
They also told her that if she put the $30 into her acount and told the bank it wa for this payment, it would go to them--which I told her wont happen if she is overdrawn.
Does anyone know if #1, they can garnish his bank account or paycheck for this???
#2 can they force her to make automatic payments directly from a checking account?? They were even trying to get her to give them her parents or a friends checking account number, accounts that her name isn't even on--in my opinion this would be illegal???
Comment