What to do when you have already given out too much information?
Today someone contacted me on my job about a debt that I do owe. I gave the young lady some of my financial information such as my monthly salary and that I made a car payment but we could not come to an agreement on what I should pay. They want me to make payments that I can really not afford to make, they are willing to settle for 2,000 but want 5 payments of 400 taken out of my checking account.
I did not give them my account number which now I am glad that I did not after reading your book, Debt Collection Answers. The most I can do is 100 a month. When they contact me again I know that I can tell them not to call me on my job but if they are not willing to take what I can afford to give them what are my options?
The lady kept asking me to transfer her to my human resources department so she could start garnishing my check but according to what I read am I correct in assuming that I will need to go to court before that can happen. The past due debt is with a finance company.