I have had obvious credit problems, in 2006 I could not pay our Discover bill of $100/mo..after 6 months it went to a lawyer and they put a judement against us. Well we worked out a payment arrangement with those lawyers for $40/mo which I have been paying on for almost 1 year and 4 months. Every 3 months they try and send me paper work saying they want more $$, that $40 isnt enough and we have to fill out this booklet of papers with alllll of our info,bills ect and send copies of our paystubs ect and then they accept the $40 payments again. Its extremly obvious that we cant pay more than $40 because we are almost in the neg every month as it is. Well I paid them their $40 last month,it was 5 days late...well found out yesturday when I called the bank to find out my balance that they garnished my bank account for $344, I only had $200 in the account for groceries,gas n rent...so they overdrew my account for like $137....the bank says there is nothing they can do because they have to comply if they have been ordered by the court to do so, which I guess I understand but I was never notified of anything...I have all of the letters and reciepts of my payments over the last year and they never sent me ANYTHING saying that they were going to start garnishing my bank account. We got ahold of the lawyers doing this and they said they dont have to tell us,they are sick of us barley paying the interest and because we are late sometimes they are sick of dealing with us..they suposably sent a letter saying that they now wanted $215/month and we not only didnt get any letter but we sure as h**l wouldnt agreed to it if we have...so Im not sure where the $344 came from...but I need to know if this was done legally or not...I dont see how they can take alllll of my $$ and then some leaving me overdrawn with out giving me any kind of notice what so ever...and they told my husband they arent suposed to tell him but they are going to start taking a percentage of his check too, but wouldnt tell him how much....I thought you ahd to be served with something or another BEFORE they started garnishing anything....I got ahold of a banckruptcy lawyer and they also said pretty much these people are relentless and they will lie ect to get what they need and they dont have to tell me anything...but im not sure if those people are telling me that to get my $$ too...so confused and now so terribly broke...help with any advice!!!!!!!!!
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