Legal Question in Credit and Debt Law in Virginia
I have an account that is currently in collections. For (2 1/2) years now I have made every payment to this agency on time and in the amount agreed upon. They are threatening to take the next "legal option" against me if I don't raise the payment amount. Honest to God, I don't have any more to give. What other legal action can they possibly take against me?
1 Answer from Attorneys
Probably, enforcement of the remaining amount of the judgment(if there be such against you) which remains unpaid either through a garnishment of your wages and/or levy on your bank account(s).
You should bear in mind, however, that the collection agency has no power to initiate any of the above-described actions against you unless they have first obtained a valid judgment against you from a court of proper jurisdiction for the amounts that they are seeking to collect from you.
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