Uhhm, no, debt collectors garnish wages after they secure a court order. Compliance of any kind with debt collectors is not required of consumers by the FDCPA or state law that I can recall. Should collectors ''get nasty'' and make threats and otherwise make it hard to assert your rights, they may be sued by you first or countersued. Then the only ''arrangement'' to be made is how the offending agency will pay your damage award.
May 07th, 2012
They break the law and will garnish yiur wages if you dont comply over the phone. They buy old debts from the dept of education. They will get nasty if you request written documentation and will threaten you. I told them to take me to court if they couldnt accept what I could actually pay. I was hung up on and my payroll dept contacted me that they had contacted her to garnish. She was very apologetic but I'd never received any document, certified mail or court date for this procedure. I have a son to feed but they do not care to make affordable arrangements.
May 04th, 2012
Conserve is another 'Buffalo Bully' debt collector which will gladly trample your rights in the name of ''debtor responsibility''. The Caller ID tags listed above will link to numerous related threads.
To a ''not me'' case like Meyer and Maria I always recommend putting the agency on notice, just as you would if you were the target and the debt claim was invalid. Send a cease-comm notice via USPS Certified with return card. The FTC and many consumer watchdogs explain how to draft one. This will set a legal landmine, as such a notice is ignored at their peril.
As for the grandson, skip trace calls to school kids are part of the baggage of giving them such devices. You can't make that flatly illegal since the collector cannot know for certain who will answer. However, collection calls to mobile phones violate FDCPA when placed knowingly. The child's legal guardian can send the same cease-comm notice as noted above and mention the type of phone involved.
Learn how to exercise your FDCPA rights as an alleged debtor at FTC-dot-gov.
Feb 14th, 2012
I received a call from this number, the caller asked for a relative who is not in any way associated with my phone number -- she lives several states away from me.