Vermonster wrote:My wife got one about federal loans and it was along the lines of "Pay us or we'll garnish your wages" It was in that official looking "envelope" that you have to tear the sides, then the top off. Everything looked official until you flipped over and lifted the back flap. Just along the edge of the glue it had fine print saying that this was a for profit company not affiliated with the government, and that they had no power to garnish wages or collect debt.
It's sad to think of how many people fall for this stuff. Even if it is 1% of letters they send out it has to be enough money to make it worth it. On the other hand my dad screwed over an aftermarket warranty company with a $500 warranty on a truck that needed a new transfer case and transmission. They stopped sending him letters after that.
That is douche-baggery (the company that made it look like they could garnish her wages). The thing is, if they could garnish her wages they simply WOULD, and they wouldn't bother sending her a letter about it. The courts would do that.
When you buy a home, expect every douchebag who can find out that you now own (likely from looking at your credit report, public records, etc) to start sending you letters that look like they come from your bank, demanding your personal information (which your bank already has, trust me, by that time they probably know more about you than you do). If you read the fine print closely enough, you'll see it's a bunch of douches who want to sell you insurance policies that you likely simply do not have a use for (and you certainly do not need to purchase by law, which they also try to imply in weasel words). The douches who do this (and there will be multiple douchebags) will repeatedly send this crap to you, mostly heavily during the first 6 months after you've bought (often twice a week in the beginning). After that it tapers off since they realize if you aren't dumb enough to fall for their scam by then, you probably never will, so after that you might hear from Douchebags-R-US every couple of months.