Do you know when a debt collector can take your money or property to pay back a debt?

Debt collectors have different rights depending on if they have a court judgment against you. Without a court judgment, a debt collector can only send you letters, emails, or texts about the debt. They can’t force you to pay back a debt they say you owe. When a debt collector has a court judgment against you, they can garnish your wages or levy (take) money from your bank account. But there is a limit to what a debt collector can take from your bank account or wages.
Visit to find out if a debt collector could be breaking the law, if you have any protected income or property, and if you might have any defenses to a debt lawsuit.