I need some advice - I have credit card debits that were recently sold to yet another collection agency. This one is run by a lawyer who sent me a letter and then left me two messages (I was out of the country at the time) saying they were considering garnishing my wages. That was two weeks ago and I have not heard anything since then. Tonight I was checking my bank balance to pay rent and my account has been frozen. Don't they have to go to court to do anything like garnish wages or freeze account? Aren't I supposed to be informed of the court date so I can appear also? I live in Califoria. Thank you for any information you can assist me with.
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