Q: I have been making payments to a debt collector and now have received an “ex parte” notice; why the summons?:

Q: I have been making payments to a debt collector and now have received an “ex parte” notice; why the summons?: I have made payments for the last 4 months per their “EZ Offer” and now have received an “ex parte note for hearing issue of law” from the debt collector…why are they requesting this when I have been making payments?

Asked 6 months ago in Debt Collection

A: Christopher’s answer: Welcome to the World of Debt Collection. A common tactic of collection agencies is to set you up on a “payment plan” in order to induce you to provide important information to the collection agency so that they can easily garnish you later if (and when) they obtain a judgment against you. Usually, they ask for your employer information as a condition of setting up the payment plan. The reason? So, that when they get a judgment, they now know where you work and can send a garnishment to your employer and garnish 25% of your gross wages.

The collection agencies ask you to provide your banking information. Why? So that when they get the judgment they can garnish your bank accounts. The same is true if you send them a check. From the check they now have your bank account number and branch.

You should consult with a lawyer to find out your options and protect your wages and bank accounts. Bad things are probably getting close to happening.