answered on Apr 12, 2011
Federal law says that many federal benefit payments like Social Security benefits, Supplemental Security Income benefits, Veteran’s benefits, and Railroad Retirement benefits are not subject to garnishment. This means that these funds are exempt and you may be able to stop your creditors from... View More 
I received a bill from a collection agency, when I went to the place that I supposedly owed money to, they said they couldn't even find that I owed anything. I faxed copies of everything I have showing I don't owe anything to anyone to the collection agency and the place sending me to... View More
answered on Nov 18, 2010
They may be violating the Fair Debt Collection Practices Act as well as the Fair Credit Reporting Act. Seek out an attorney who belongs to the National Association of Consumer Advocates to get more particular advice. There are some good ones in Alabama
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