Q: I received a phone call yesterday about a payday loan from 2009 that was delinquent. One payment of $50 was made in 2018
The caller said they were going to garnish wages and file a judgment. In SC the statue of limitations is 3 yes. Can they still file this
judgment? The loan was in SC
This is most likely a scam, because wage garnishment for debt is not allowed in either North Carolina or South Carolina. The collector threatened to do something it has no legal ability to do in an attempt to get you to pay. Google "payday loan collection scam" and see how common this scam is. A legitimate debt collector would not say these kind of things to you.
Do NOT give any personal information to the collector including your SSN, bank account information, debit card or credit card nformation and DO NOT PAY them anything. They purchase information from payday loan companies and they know a partial SSN, where you work, your phone number, names and numbers of your relatives, so they seem scary and legit, but they are not. Warn your family members that these calls are scams.
1 user found this answer helpful
Justia Ask a Lawyer is a forum for consumers to get answers to basic legal questions. Any information sent through Justia Ask a Lawyer is not secure and is done so on a non-confidential basis only.
The use of this website to ask questions or receive answers does not create an attorney–client relationship between you and Justia, or between you and any attorney who receives your information or responds to your questions, nor is it intended to create such a relationship. Additionally, no responses on this forum constitute legal advice, which must be tailored to the specific circumstances of each case. You should not act upon information provided in Justia Ask a Lawyer without seeking professional counsel from an attorney admitted or authorized to practice in your jurisdiction. Justia assumes no responsibility to any person who relies on information contained on or received through this site and disclaims all liability in respect to such information.
Justia cannot guarantee that the information on this website (including any legal information provided by an attorney through this service) is accurate, complete, or up-to-date. While we intend to make every attempt to keep the information on this site current, the owners of and contributors to this site make no claims, promises or guarantees about the accuracy, completeness or adequacy of the information contained in or linked to from this site.