How canI pay off a debt for once and for all?
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How canI pay off a debt for once and for all?
I recently received a granishment letter from a law firm from which I have already made several payments on. They wait and keep coming back. I’ve made payments to this law firm already starting in 1991. They would take money automatically through my checking account. Then stop, I wouldn’t hear from them and then years later would contact me again stating I owed monies with interest that totaled more than I originally owed. This happened in 1991, they then contacted me again in 2006; I made payments again, they stopped taking the money. Now I received a letter of garnishment stating that I owe money again more than the original. How to I stop this from happening. This feels like some sort of scam.
Asked on August 19, 2010 under Bankruptcy Law, Colorado
Answers:
SJZ, Member, New York Bar / FreeAdvice Contributing Attorney
Answered 14 years ago | Contributor
It might be scam; these things happen. You should consult with an attorney, bringing with you all relevant paperwork (relating to the debt; evidence of all payments; all correspondence; etc.). The attorney can help you determine:
1) If the debt is legitimate or not, and if not, what action you might take--such as suing to recover any/all overpayments
2) Whether, if the debt is legitimate, you may be able to negotiate or settle it (and help you do try to do so)
3) If the debt is legitimate and you have no other recourse, whether you should possibly consider bankruptcy as a way to discharge this debt and eliminate it for good.
Good luck.
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