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Credit card garnishing help

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hamilton_630

Joined: 25 Apr 2008
hamilton_630's page
Posts: 1

30 Magic Points

Subject: Credit card garnishing help

Fri Apr 25, 2008 1:16 pm

I am currently under a wage garnishment from a credit card company. Is there any way to get my debt in counseling and stop the garnishment?

Laura

Joined: 21 Jun 2007
Laura's page
Posts: 1407

34540 Magic Points

Sat Apr 26, 2008 5:47 am

Nope. Counseling cannot help you stop a garnishment. Few things that you can do here is

1) You can either file bankruptcy
2) File a " Claim of Exemption" from the court that granted the writ of Garnishment.

Your local court house can provide you with the form for "claim of exemption". Carry all the documents that prove that your monthly expenses are going beyond your income after the garnishment. You have to show all the bills to convince the judge.

There must be better opinions from other forum members.
_________________
Regards,
Laura.

fireyone

Joined: 26 Feb 2008
fireyone's page
Posts: 2871

2195 Magic Points

Sun Apr 27, 2008 1:30 am

Wow I never knew a person could do that. I thought that once a garnishment was established it stayed until the debt was paid.

Laura

Joined: 21 Jun 2007
Laura's page
Posts: 1407

34540 Magic Points

Mon Apr 28, 2008 5:53 am

I think there would be better answers to this. I tried from my side. One of my colleagues' friends had filed bankruptcy a few months after his wage started being garnished.
_________________
Regards,
Laura.

Fasfeed

Joined: 06 Feb 2008
Fasfeed's page
Posts: 87

3212 Magic Points

Wed Apr 30, 2008 6:23 pm

The only guaranteed way ive seen is to stop a Wage garnishment is to file bankruptcy, but is it really worth the set back that a bankruotcy can cause you.

sdchargers_63

Joined: 13 Aug 2007
sdchargers_63's page
Posts: 891

2654 Magic Points

Subject: bills

Thu May 01, 2008 3:08 am

That does make sense...I never thought of that, either. Some CA's, I deal with, could care less whether you have food on the table, or not. Whether you can pay your 'basic' bills or not. Don' t the CA's have kids, too?! ( Just thinking 'outloud', I guess)

Laura

Joined: 21 Jun 2007
Laura's page
Posts: 1407

34540 Magic Points

Thu May 01, 2008 11:06 am

The worst part is when it comes to business, Wendy these people do not think emotionally. They want money whether you can pay them or no.
_________________
Regards,
Laura.


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