What happens when ex spouse does not abide by divorce decree?
What happens when ex spouse does not abide by divorce decree?
If your spouse fails to abide by the divorce decree after your divorce is final, you could wind up without your rightful properties, child support funds, or alimony payments. Not only is this inconvenient and frustrating, but it could lead to serious financial hardship or issues with your children.
What happens if a collection agency refuses to validate debt?
If the collector completely fails to respond to the validation letter, again they have 30 days to do so, then legally they must cease collection efforts, and remove negative items placed by them on your credit report.
How do I request a debt validation?
According to The Fair Debt Collection Practices Act (FDCPA), a debt collector must send you written validation of debt within five days of contacting you. If they don’t, you can send them a letter to request a validation of debt (see this sample letter).
How do I request a validation letter for a debt?
I am requesting that you provide verification of this debt. Please send the following information: The name and address of the original creditor, the account number, and the amount owed. Verification that there is a valid basis for claiming I am required to pay the current amount owed.
Do debt validation letters really work?
If your accounts have exceeded the statute of limitations and you’re trying to clean up your credit report, a debt validation letter may provide you some value in attempting to achieve your goal if the collection agency has possessed the account for less than 30-35 days.
Can I request debt validation after 30 days?
The Fair Debt Collection Practices Act, or FDCPA, allows consumers to request a debt validation at any time. You are only allowed to request debt validation from a third party debt collector.
What if a collection agency never contacted me?
If you find a collection account that you don’t recognize listed, you can dispute it with the credit bureau(s) reporting it, preferably in writing. If the credit reporting agency cannot confirm it with the source (the company reporting it), within 30 days, in most cases, it must be removed.
Can debt collectors ask for proof of income?
It is something your creditors can ask for if they’ve already got a county court judgment (CCJ) against you and you aren’t sticking to it. The court can ask about things like: your income and outgoings. your job.
How do creditors check your income?
Lenders May Ask for Income Information They typically ask about your income on credit applications and may require proof, in the form of a pay stub or tax return, before finalizing lending decisions. Sometimes creditors ask for proof of employment and the name of your employer on credit application as well.
What creditors can garnish your bank account?
The Internal Revenue Service (IRS) is the only creditor that can garnish money from bank accounts without a judgment. Having your bank account garnished is different from having your wages garnished.
