Garnishment

The Suffolk Lit Lab has developed a form to help people on SSI or SSDI create a letter to report changes to Social Security that might affect their benefits and to avoid any possible overpayments. For more information, visit their website here: https://apps.suffolklitlab.org/run/ssareportchangesletter/#/1

If you need help with an SSI or SSDI overpayment issue, you can complete a form asking Social Security to waive repayment or lower the rate of repayment of the overpayment. For more information and a self-guided tool, please visit the Suffolk Lit Lab's website here: https://apps.suffolklitlab.org/run/ssioverpayment/#/1

The Federal Trade Commission, the government body that enforces the Fair Debt Collection Practices Act (FDCPA), has compiled a list of Frequently Asked Questions (FAQs) regarding Debt Collection. Some of the questions answered include: 

This guide goes through the general process of a civil lawsuit in Idaho. 

The National Association of Consumer Advocates has created a series of videos providing information to consumers who are being sued on a debt. You can access those videos here: https://www.consumeradvocates.org/for-consumers/debt-collection  

If you lost your debt defense case (or did not know it even occurred) and your wages or bank account is being garnished, learn what you can do.

If you lost your debt defense case (or did not know it even occurred) and your wages or bank account is being garnished, watch this video to learn what you can do. Learn about one of your key defenses. Determine if you were served papers properly.

If you want to learn how to represent yourself, hear about common defenses against debt collectors, and gain knowledge of possible outcomes to your trial, then watch this video.

If you are having problems with debt collectors, watch this video to learn about your rights! Hear about your rights under the Fair Debt Collection Practices Act and state laws. Find out what you should do if you are being illegally harassed.

Many collection lawsuits are brought by companies called Debt Buyers. Debt Buyers pay money to other companies for the right to collect money owed to those companies. For example, you might owe $3,000 on a store credit card. After a while, the store may decide to sell the debt to a Debt Buyer for a few hundred dollars, instead of trying to collect it. Then the Debt Buyer will try to collect from you...