“If I owe a debt, lets say of 3,000 dollars to a collection agency and I called to see if I could send in payments of what I could afford, and I start sending them in can they still garnish my wages? They told me that I had to pay three payments of around 800 a month for three months for them not to garnish my wages. I asked them if I could send in what I could and they said they would still garnish my wages unless I send in the whole 800 a month. Is this true? Thanks for your time.”

Probably, particularly if they have a judgment against you. However, to be sure - and because collection laws vary - you should check with a credit and collections attorney in your area.

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