Have you been threatened with Wage Garnishment?  Can they actually garnish your wages?

So you have defaulted on a credit account. The debt collector calls and demands immediate payment of the debt. The debt collector then makes the following threat: “If you do not pay this debt by Monday at noon, we will garnish your wages, starting with your next paycheck”.

As it is necessary to be able to remember passwords and PINs readily, we are tempted to use something that we are already very familiar with to make it easier. We are also tempted to opt for universal passwords and PINs for everything because it is easier to remember just one set rather than several different sets. Unfortunately, it is dangerous to do this as a smart identity thief can break them with relative ease.