Collection of Credit Card Debts

[ssmc]

I have a credit card account charged off and sent to a collection agency. I live in NC. Can they take out a lien on a house if the property is jointly owned (my husband and my name on deed), but the debt is in only my name? Also with a bank account, can they levy it if it is joint?
The collection agency is in New York. Do they have to be in NC to be able to do anything?
I have been told to send them a letter of validation before I speak with them. Is this the right thing to do, or should I speak with them to see if a payment arrangement can be done?

[aaron]

Do they already have a judgment against you?

[ssmc]

No. A collection agency is calling me, but I am requesting validation.

[aaron]

They would need a judgment before they can engage in garnishment and execution through the courts. If they do act through the courts you can expect them to use a North Carolina law firm. (Why did you originally title this thread "judgment"?)

[ssmc]

Because I have a question about a judgement. MY question still is if a judgement is taken out can they attach a lien on property that is jointly owned, but the debt is not? Can they do this with a joint checking? Please advise?
Has anyone dealt with Creditors Interchange, in Buffalo New York? If so, please advise on them.

[seniorjudge]

The answers to your questions depend on state law.

Have you talked to a lawyer in your state?