My Wages Are Being Garnished 

Omg... $2000 in debt and it turned in to $14000. This is why I don't wanna deal with credit cards anymore. That would make me physically sick. This poor girl.

I'm in the financial industry. I've helped two people settle with creditors for pennies on the dollar (roughly 30% of the original debt amount) without giving any of their information, no garnishments, judgments, etc. Dave knows exactly what he's talking about. Yes, you "po mouth". You just have to know how desperate they are to get it cleared and know how to negotiate.

I know someone who declared bankruptcy and in three months he was getting credit card offers. This was around 2009 or 2010. Today he has a mortgage, bought a car, he's better off than he ever was. But he was not irresponsible. Divorce, housing crash, lost job all at once did him in. But he came out great.

This American Life did a story recently about garnished wages. They found a town of neighborhoods where 1 in 4 households was being garnished by the SAME company. Even the Mayor was garnished! If you're interested, it's Episode #573 Status Update. Act 3: "There Owes the Neighborhood".

Can you imagine having a mute button like that in real life?

Worst feeling ever to have your income garnished.. That will have you running to the court clerk office in a heartbeat

Here's a tip! Dispute that judgement with a debt valditation letter and also through the credit bureaus. They have 30 days to respond by LAW if they dont it falls off.

2k became 14k? 😳 that’s a legalized mafia at its finest

Wage garnish isn't legal in Texas except for child support, student loans and back taxes.

He never asked her if they already have access to her checking account... I wonder if they already do.

I had wages garnished once. The employer charged around $40 to take care of it and if you have another garnishment, you will lose your job. Do what you can to avoid garnishment.

2-3k turned into 14k?!?! Credit cards can be a nightmare for irresponsible people.

He was absolutely correct when he said “if you give them money before you have anything in writing....”. These debt collectors are ruthless💯

The IRS seized my brothers checking account and garnished 💯 percent of his wages from his employer. His bank charged him for all of the checks that bounced back because of the IRS seizure. These government agencies cause more problems by not garnishing a reasonable amount.

She is not a victim......she owes money!!! Pay it

Ramsey said credit score is low on the list. Just chapter 7 and start fresh.

👏🏾👏🏾👏🏾👏🏾👏🏾 I learned a lot in this video!

Good advice

I disagree completely. Dave didn't address the fact the statue might be past. She needs to get this address at a law firm so it will go away.

Thank you Dave I will do just that

The VA had my wages garnished for a debt that I had already paid them. Had the written plan of payment and bank statements lined up. It was always someone else's problem or fault.

Discover will HUNT you down. They dont care if you were dying. Dont get ONE.....

It's hard to feel sorry for her. She owed like 3k and just didn't feel like paying it back? What exactly was she expecting, to get free money? Sheesh!

2000 turned into 14000. I day she needs to go to court. She does not need a lawyer just tell the judge 2000 turned into 14000 cause of there fees and tell them she only has 2000

Texas is now allowing this shame shame Abbot and tx legislators

No fun in that especially when they're garnishing you check... I've been there...

Thank you for sharing. My wages are being garnished for student loan debt by a collection agency. How can I stop the garnishment? Can I have payments lowered? Do I contact collection agency or original lender?

Please remember, when debt is forgiven, you have to pay taxes on the forgiven amount.

What about the tax implications if they forgive a large amount!? Then the gov considers it income and you get taxed on that. Please help with this question.

We call it the same thing (“po’ mouth”) where I’m from. It’s a good negotiating tactic. Nice one Dave.

Does writing the credit bureaus like they advertise everywhere to get it removed off your credit really work instead of paying them ???

100% agree with Ramsey all the time but if it’s old debt and not on the credit report you are not responsible for the debt (morally you are) but she’s in a hardship send a verification letter or 609 letter to the creditors ... and have them stop the garnishments and attempt to collect the debt .

gangstalking, computer hacking, microwaving torture

I did it what he is saying and worked it

If I was in debt I would move to Texas so they can't garnish

Should have asked about limitations

Till they skip trace you and find out where you work anyway.

Crying "Po mouth"?!!! Here in the South, that's some folks "real name"!!! Some people work "overtime" just so they can afford the other "or". LOL!!!

You say not to give them ANY information but how do you get an agreement in writing or send a lump sum settlement in full withought giving up your address

For IRS garnishments, we made a video on our channel on how to release them.

That's quite pathetic to tell the people how to get pretty much steal from others

Pay your bills!

Her name is Jean and she's in Phoenix AZ, who made the connection?

What I don’t understand is how an unpaid credit card account stays open that long and continues accumulating interest. After several month of non-payment wouldn’t the account be closed or charged off?? And how does it turn into 14k without her knowing? She made it sound like several years went by and then she was hit with a surprise bill for 14k.

Will this same strategy work with school loan ? Sanford Brown to be exact ... a lot of us didn't get a job after we finished and are getting harassed still.

I have heard now often that discover is ruthless.

Credit cards are evil.

What I don't understand there's no debtors prison don't pay him s***move to Texas and Florida debtors Paradise

I was recently garnished by the Department of Education for a student loan I received in 1989. At the time of my default there was a six year statute of limitations (20 usc 1091). 3 years after the statute of limitations for my loan had passed, congress amended, 20 usc 1091 , eliminating the statute of limitation. Is it a violation of the ex post facto clause to impose sanctions on me based on amended law that was enacted after the statute of limitations had passed?

What if they just file for bankruptcy?

How much junk did she buy young ? Why she has credit card debt

Dave “the Debt destroyer” Ramsey

Hi. Can they garnish my wages in florida?

EXACT same thing happened to me oh my god! Discover is terrible. I owed them $67 dollars and it escalated to $1,787. I almost got a judgment.

I have never figured out why people think they don't have to pay back their own debts....a debt is a debt owed....

Because you haven't been able to make repayments on time

Discover don't play they sue for everything

After 7 years u don't have to pay it....

If you give them access to your checking account they will take all your money out because they lie.... Kind of like how you lied when you said you would borrow money and pay them back.

Lets digest this call. 1. she owes $14,000 and started calling lawyers. 2. Wants to know how to get rid of this debt. I just love the mentality. 3. Lets not honor or repay when capable, but lets get lawyers to bully and try to "get rid" of your debt. what a joke. 4. No it did not get to $14k because of just legal fees. she agreed to a high interest rate. 5. it got there because of her abuse of the card. 6. sadly Dave suggests a settlement of $2000.00 and "don't tell them anything". Guess what they don't have to deal with you then. what Dave should suggest is COMMUNICATE with them and explain your position. if you play his way I will not deal with you and lie in the weeds until you get back on your feet. she sounds young and likely will work again. Judgements are renewable in many states for a small court fee. they will just wait and follow you until they believe you are ready to collect from. so don't take his misplaced advice. 7. this is screwing up your life? the problem is Dave's tactics do not work all the time and he thinks he is helping consumers and the state of economics. I am not a fan, but follow because I know the reality of the business he tries to challenge. And they don't clean out your checking account! he paints every creditor as Satan. ugh! get tough give me a break. Dave you should tell the truth.

A lot of these callers should file chapter 7 and start fresh. Then work your rear off and invest and build wealth.

move to texas

Someone else paid off the debt so you do not need to pay the person that paid it for you. You have no contract with them just ignore them

Garnishments aight to be illegal.

Pay your bills people

Does anyone feel bad for the lenders? she is not the victim she broke the contract and essentially stole money...

Debtors prison

Dave, teaching people how to not be held personally responsible for their poor decisions

She should've paid her bills in the 1st place...