Amount Outstanding: $1385.32 (higher than actual amount owed) Settlement Amount: $934.27 (Outside the courthouse) Dear Debtor This is our official notice to you regarding the due payment with CREDIT ALLIANCE Inc. You have defaulted to pay the dues. var c=get(id); 1-888-294-3130. This order can force your employer to send up to 20% of your wages to your creditors to repay your debts (50% for child support). var element = get(getThisNodeId); // This is the node to move. I received the same thing with no info on the company, I recieved this mail in August and didn't know it was a scam till today so since 8/20 I have been paying $160 bi weekly am depressed they took all my money and I just made a payment today, I got the exact same thing today. "); When you are seriously past due on an account, your creditor may go to court and request a wage garnishment to collect the balance owed. They also emailed from a gmail account. } Alliance Group & Associates is not permitted by law to threaten you with wage garnishments or a court case they do not intend to file because it is not within their power to decide whether your wages would be garnished or not. The Secretary of Labor may by regulation exempt from the provisions of section 1673 (a) and (b)(2) of this title garnishments issued under the laws of any State if he determines that the laws of that State provide restrictions on garnishment which are substantially similar to those provided in section 1673 (a) and (b)(2) of this title. var addThis = document.createElement("LI"); That means the creditor must sue you, get a judgment and ultimately obtain a court order. State laws regarding involuntary deductions are also included in this course. // If there are subdirectory or article names in the designated part of the URL, remove the tabs module. If a state’s wage garnishment law differs from the CCPA, the law that results in the smaller garnishment must be observed. Case File #-SW0708-A Notice Issued On: November 8th, 2019. A judge could order the agency to pay you $1,000 per violation and pay your legal expenses, so you have everything to gain by fighting back. Also when reading yours I noticed we have the same case number . Thank God I researched this a little. var keynum; Of course, just about all things related to credit affects your credit score. A credit card company cannot garnish the wages of an employee unless they sue the borrower. Obtain a judgment and appropriate Garnishment form against the defendant from a Michigan Court. Wage garnishment is essentially a last-ditch effort for creditors to collect on a debt by hitting the consumer where it hurts — in the paycheck. Complaints Scams Credit Alliance Inc . Even the same case file #. Wage garnishment is when a creditor obtains an order from the court to have your employer withhold a portion of each paycheck to go towards paying off your outstanding debt. Under federal law, the garnishment amount can’t be more than 25% of your net (take home) pay, or the amount by which your take home exceeds 30 times the federal minimum wage (currently set to $7.25/hour), whichever is … Stop Wage Garnishment Each state has its own debt collection laws with respect to how much and when your paycheck or your bank account can be garnished. Wage garnishment lets creditors get repayment directly from your paycheck or bank account. Just don’t forget to consider the amount of interest you will pay if you choose this as your long-term strategy. | Privacy Policy Everything you Should Know About Wage Garnishment. Payments are based on 15% of your discretionary income. A consumer debt such as a credit card or personal loan can be garnished up to 15 percent and a student loan up to 10 percent. I'm not trying to dodge this bill, and I've tried to contact Alliance to send me information so that I can pay the bill outright so that the wage garnishment will stop. Most garnishments … Yes, your wages can be garnished over an unpaid credit card debt — especially if the debt ends up going to collections. California collection agencies can help businesses, medical practices and facilities that are creditors to collect their accounts receivable. Contact Us When a person is in more than one type of debt, there is a descending order for the wage garnishment process. As of July 24, 2009, the amount of wages that are exempt from garnishment is as follows. Wages. If you’re being garnished for more than one debt, you’re subject to a 25 percent maximum. In the majority or states, a court order is required for a garnishment to be initiated. | Legal Stuff. } p.removeChild(l[0]);// Get rid of the link. Country: United States . If a state’s wage garnishment law differs from the CCPA, the law that results in the smaller garnishment must be observed. Featured in Forbes 4x and funded by institutions like Harvard University so we'll never ask you for a credit card. }, false ); Many states also restrict the amount of wages that can be garnished. This appears to be a scam as this company did not disclose any specific information about the company, product, or service. The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. Is this true? Court ordered deductions, or wage garnishments, include deductions for family support (spousal support, child support, and/or medical support), bankruptcies, unpaid taxes, student loan debt, and/or creditor debt. Wage garnishment based on a judgment issued for collection on a consumer debt is the greater of 35 times the state minimum wage or 80 percent of disposable earnings, according to the summary. If you’re struggling with debt and facing wage garnishment, call us today for a Free Debt Analysis. Wage garnishment is one of the final steps in the debt collection process. In general only 25% of a person’s pay may be taken. for(var i=0;i",get("mod-search-searchword").value);; Asset Recovery Group of Washington 33301 1st Ave. Way S.,Suite C130 Federal Way, WA 00009-8063 Asset Recovery Group of Washington Asset Recovery Group of Washington is an Washington collection agency. A similar bill passed in Washington, D.C., in December that exempts any wage garnishment for those making less than $27,560 annually, the amount a minimum wage worker would make in a year there. 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