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2022年06月16日のつぶやき 2022/06/17 [編集]

yu16502937『2022年06月16日のつぶやき』アベノミックス　円安株高｜https://t.co/HKCQVnh6WJ06/17 01:47

yu16502937『2022年06月16日のつぶやき』アベノミックス　ビジネス｜https://t.co/2rSDu619PH06/17 01:46

yu16502937『2022年06月16日のつぶやき』ビジネスや日常のことなど紹介していきます｜https://t.co/ExFr7O6UjF06/17 01:46

yu16502937『Twitterまとめ投稿 2022/06/16』ビジネスや普段感じたことなど色々なつぶや..｜https://t.co/4o0Yweecxc06/16 20:02

yu16502937『2022年06月15日のつぶやき 2022/06/16』面白い本について｜https://t.co/yySmctBfdo06/16 19:02

yu16502937『Twitterまとめ投稿 2022/06/16』検査キット、薬からスキンケアまで色々♪｜https://t.co/BbG0YUqOwm06/16 19:02

yu16502937『2022年06月15日のつぶやき 2022/06/16』これはおいしい！｜https://t.co/u1zr8CumKW06/16 12:02

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2022-06-17 05:01 nice!(0) コメント(4)

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by Renaldovoisk (2022-06-17 13:24)

Again, a debt collector canвЂ™t garnish any wages unless they have a court judgment against you. Not showing up to court does not help you avoid a judgment. If you donвЂ™t appear at the hearing, the debt collector can win a default judgment. They can seize money or assets. If a debt collector wins a civil judgment, they can also ask your bank to give them money from your personal bank accounts. But, in Georgia, certain types of income and accounts cannot be garnished, such as unemployment benefits, ERISA qualified retirement and pension benefits, child support, and disability insurance benefits, among others. The law exempts these types of income from garnishment. To protect these income sources, youвЂ™ll have to make sure that you can prove the money is exempt. If a judge canвЂ™t verify that the money in the bank account comes from an exempt source, then you might not be able to protect it from garnishment. Create a separate bank account for exempt income. Cash checks that are exempt from garnishment instead of depositing them in your bank account.

After getting a civil judgment against you, a collector can also attach a lien to your property. A lien can be attached to real estate or personal property, like valuable art or cars. To attach a lien to real estate, the collector would need to take the judgment to the court in the county where the real estate is located and register the judgment with the court clerk. If a collector would like to attach a lien to personal property, then they would register the judgment at the court in the county where you live. For example, if you live in Atlanta, but your boat is often on a lake in Gainesville, they would still register the judgment in Fulton County Superior Court. If your debt is a secured debt, the debt collectors can also repossess property that was purchased using the money you borrowed. The collector would then sell it to get some of their money back. In the state of Georgia, a debt collector can do this without a court order.

Debt collectors canвЂ™t do or say anything they want. In Georgia, state and federal laws regulate how debt collectors can communicate with you, when they can call you, and what they can say. Still, there are things that debt collection agencies can do that you should be aware of if a collector contacts you. They can garnish your paycheck. Debt collectors can file a lawsuit to get whatвЂ™s called a civil judgment against you for the debt you owe. This court judgment allows the collector to take money directly out of your paycheck through whatвЂ™s called wage garnishment. Collectors can only garnish part of your disposable income. Your disposable income is the amount of money youвЂ™re paid after deductions like taxes. A collector can only garnish up to 25% of your weekly disposable income or the amount of your weekly disposable earnings that exceeds 30 times the federal minimum wage, whichever is less. Currently, 30 times the minimum wage is $217.50. If your disposable income is less than 30 times the minimum wage, then collectors cannot garnish any wages.

This is often called self-help repossession. They can keep adding interest charges to your debt. Before a debt collector gets a judgment against you, they can continue to charge interest on your debt. The maximum interest rate they can impose before they get a judgment against you for the debt is called the prejudgment interest rate. This rate depends on whether you and the original creditor, the lender you originally borrowed money from, agreed to an interest rate by contract. For example, letвЂ™s say you got a credit card from a bank and agreed, via contract, that the interest rate on any credit card debt would be 12.9%. This means the collector can continue to charge 12.9% interest on the remaining debt while they await judgment from the court. If a creditor lent you money without agreeing to a particular interest rate, then in Georgia, the debt collector can charge you up to 7% interest while they wait for a judgment. After getting a judgment against you, the maximum post-judgment interest rate collectors can charge is either the interest rate agreed by contract or the Federal Reserve prime rate plus 3%. The Federal Reserve has a list of the current prime rate.

Debt collectors have a new tool to recover debt for their customers. The Consumer Financial Protection Bureau now allows collection agencies to contact consumers on social media. Collection agencies can also text. Email individuals to collect unpaid debts. Business owners hire collection agencies at different stages of the recovery process. Some try to collect on their own through several attempts before seeking help. Others move once the bill is 30 days past due. What makes sense for your business depends on how much debt is owed and the situation of your debtor. Is he or she trying to pay it back, or are calls and letters going ignored? Is the debt only 30 days past due or longer? Do you have an existing relationship with the customers? If you get nowhere, the next step is to send a formal demand letter.

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by CurtisPhors (2022-06-17 21:15)