I had a TL removed that was a â??brokenâ? apartment lease agreement. They say I did not give written notice 45 days in advance of not renewing. The large property management company sent me letters for the whole year of the â??broken leaseâ?. Then sold off the debt to a CA $6000.00+. I had it removed from my CRâ??s after the 1st CA had it. Now another CA Services is sending me letters to pay on it. I have seen posts about liens on cars and such. Now that I have a nice size checking and savings account Im worried they could seize this? Can a collection service put a lien on a car or bank account over something like this ?
If they go to court and get a judgment against you, yes. They can sieze assets, including bank accounts, and have wages garnished, depending on state law.
Protect your cash: close all your bank accounts. Payyour bills with money orders. If your pay gets automatically deposited get your employer to give you paper checks and cash them..
How long ago did the broken lease occur? Who owns the debt? The CA or a JDB? They must document their connection to you. Did you send a Debt Validation letter within 30 days of their first contact. If not send one now asking for documentation. The fact that you are asking for documentation marks you as more difficult than someone who will just roll over out of ignorance. With CA's it is a game of numbers and you want to get in their "difficult" bin. In order for them to take you to court, they must first get a collection atty. involved. What state are you in? What are its requirements for notifying someone that a suit is being filed against them? Is the address on your credit report your current address? CA's and collection attorney's like to mail summonses to "alternative" addresses.
