Hi, I have a wage garnishment that I have been paying off the last three months. I just switched jobs and want to continue making payments towards this wage garnishment. I have contacted the law firm that filed the papers in my local court. They mailed me an agreement stating that I could make payments to them for 100.00 per month until the balance is paid in full. My question is: Is it ok to pay them with a check from my personal checking account or should I call them and pay over the phone with my debit/check card? I am trying to avoid them emptying my account. Thank you in advance for any information.
The problem with making payments via debit/check card is you dont have any physical proof of the payment, other than your bank statement. It's a good thing to have a paper trail since there is a judgment in effect, money orders would be best, as if you send a personal check, they will likely garnish that account should you fail to adhere to the agreement strictly.
While money orders would be one method, another would be giving the money to a close friend or relative and have them make out a check out of their account. My son, now 32, never had a bank account, signs his paycheck over to me, goes into my account, and I pay his bills. If he woud ever be in financial trouble the creditor/collection agencies would have to go through the wage garnishment procedure and not the bank levy/attachment type of theft.
I would not recommend using a friend's account, if the check ever comes back or the agreement is broken they will start contacting the person on the check and the debtor. Simply open a checking account from a different bank, and only use it for this purpose or do the money order. While a receipt is helpful, it doesn't necessarily prove the payment was made the a certain company, you could pay the electric bill and put in the law firm's name.
I am going to mail a money order. Should I get delivery confirmation? I am just paranoid they are going to say they never received payment.
