Threat to garnish if I do not agree to autromatic payments
A collection Agency, Jacob's Law/Group costantly says that they will garnish my wages if I do not make a monthly agreement to pay by automatic drafts from my checking account.
I have paid like this a few times with them, but things are getting really tight and I can not afford it for this month. They wanted first 200, I agreed to 100, and last month I called to change it to $50. I could not pay more.
I have told them that I will pay them either by mail or using a credit card on their own website. But they said that even paying like that, it won't stop the lawyer to sue to garnish.
I do not like that they have access to my account and they control my life. Also, for each payment that goes tothe debt, they charge 18.65 as for some fee.
So if I pay 100, they are charging 118.65, or if I pay 50, the charge $68.65
So, is it legal, even if I am paying on my own, not by a automatic draft can they proceed to sue me?