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?