Crown Funding Company

Crown contacted me and said I owe First Bank of Delaware in the amount of $1,879.00, original debt was $510.00. The $1800 is from the 29% charges. They said if I do not pay by tomorrow, the sheriff will be here to order me court papers. I asked what this is for. They said a credit card I received in 2007. I have not received one bill for this! They said they can email me copies. I haven't received this yet! They also said that they sent court papers to my house several times. I have not received any! I am confused and do not know what to do! Also, they said if I don't pay them $1300.00 by tomorrow, I will be served papers and will have 10-year lien against me!

I am stressed out. I just graduated nursing school and found a new career. I pay my bills and debts. I am unsure of this and it's December. I found a house that I'm moving into in a week and Christmas is coming. Now this? Is this a scam to get my money? I have two small children who would like a Christmas! I am just stressed and it's causing me mental grief and I do not know what to do about this! Thanks.

The message stated that he needs to call back and there was some legal paperwork coming to him. There was no identification of the company calling. I called back to say that the phone number is not his and spoke with Dawn. She stated she is an operator. I asked her what the name of the company is that had called my phone, and she said there are several offices there, such as doctors and lawyers.

She requested the phone number that the message was left on, and I provided it to her. She then told me that my "ex" had a debt for a MasterCard from 2007 and that my wages are going to be garnished. I asked her how could that be when I am not with him, and she said they can do that unless $1300.00 is paid on the account. I asked her how would I know when this is taking place, and she said my Human Resources Department at work would notify me. When I hung up with her, I spoke to a lawyer who is a family friend, and he advised me that the collection agency had just violated the Fair Credit Act and I should report it to the Consumer Affairs Department ASAP.

So I am notifying you that this collection agency stated they are garnishing my wages. He also advised me that only the original creditor could garnish my wages. I have been on Social Security Disability for almost three years and I just got a job as part of the Ticket to Work program through Social Security. I do not feel my wages should be garnished and I am extremely emotionally upset from this woman's accusations, especially if they are false.