“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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State laws vary, and the above is intended as general advice, and not direct legal advice regarding any one particular situation in any one state. For direct personal legal advice related to your own situation you should consult an attorney familiar with the laws of your state and with your situation.