I have a lot of old debt from my younger years which I never took care of. I never could afford to either pay it off or to hire an attorney to file BK. Now I have 1 of the companies that just put in a wage garnishment for me and is taking about a week, money which I need to be paying my daycare provider for my girls.

My wife and I have talked about getting an attorney, but we know we cannot afford to pay the full amount up front and that it may take a few months or so before we have the entire amount available to pay the attorney. I also know that you can just pay a retainer fee in most cases and they will start working on collecting information and such. I guess, my question is, if I pay the retainer fee for a bankruptcy attorney in Wisconsin where I live, will this put a hold on the wage garnishment or does the wage garnishment continue until we actually file?

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I want to file Chapter 7 bankruptcy without a lawyer in illinois. Has anyone ever done this in illinois, if so how successful was it. I have no property or assests just credit card debt and a about to be wage garnishment.

Technorati Tags: chapter 7 bankruptcy, credit card debt, lawyer, wage garnishment

My husband and I filed for chapter 7 bankruptcy 6 weeks ago due to a wage garnishment and other reasons. Our lawyer told us because of the timing and amount garnished we would get all of the garnished money back. The automatic stay has been in place for 4-5 weeks. My question is when or how long does it take before you receive that money back?

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To whom it may concern

Here is a summary of the case:

I am a father of two children who are now 19 and 20 years old. I used to live in California. Now I live in Maryland since May 2008. During the divorce in 1992, the nightmare started with a family support order that was found to be fraudulent by the Federal Bankruptcy Court.
I was imprisoned for 35 days based on this fraudulent order and based on the DA of the County of Santa Clara California (DA hereinafter) , who testified that I was making ,000 a month, while I was unemployed.
Around 3/10/ 1999, the DA filed a claim for 5,000.00 to enforce pre petition child support arrears. The Bankruptcy Court denied the DA’s motion. The Bankruptcy court also ordered a new support order be entered.
Since 2000, a new support order was entered by the family court. It should be 0, but the DA had my wages garnished for 0 a month. My wages are still garnished to this day, even though my children are now 20 and 19 years old.
The DA has intercepted nine years of tax refunds post wage garnishment. The DA has also taken little money I saved post wage garnishment. The DA emptied all my bank accounts including the last one just a couple a months ago.
I had not one, not two but all three of my properties foreclosed while I was under bankruptcy protection. The DA took over a million dollar from the proceeds of the three trustees’ sale. But the DA acknowledges taking only ,000. I am homeless since 2000. I live in hotels. My credit is in the dump. I need your help to resolve this matter once and for all.
In September 2007, I received a letter stating that I still owe 5,000.00. I received another letter, from DA of Maryland, stating that I owe less than ,000.00. The numbers do not add up. I just found out the MD case was closed since May 2008.
Can this case be handled by a Bankruptcy lawyer or a Family lawyer or a civil right lawyer? Please advise. I hope justice prevails.

God bless America.

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I am considering filing without an attorney. Situation is a wage garnishment for an 11k judgment that looks to be for credit card. (I’ve been disputing this for years trying to prove it’s fraud but clearly haven’t been successful – another story) Background: single mother, head of household, 2 kids, one student loan about 7k, one car loan, about 7500 left to pay, don’t own property, no assets; all my earnings go to rent, household and child care. I’m not behind on car or student loan payments. I just can’t afford wage garnishments and I think a bankruptcy is my only option to cease the garnishments. Since this 11k judgment is the only debt I need discharged in the bk, I think I may be able to manage this on my own instead of hiring an attorney that I can’t afford. Anyone have personal experience with this or with paying for a sevice that helps only with paperwork?

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I’m in a substantial amount of debt… Hospital and doctor bill mostly. No credit card debt. Plus, daily living expenses with an infant!!! Problem is — I am being hounded by bill collectors and one debt is about to be turned over to an attorney for collection. I feel certain that this could end in wage garnishment. We don’t have the money to make ends meet — let alone have any part of my wages garnished. I’ve tried making arrangements but we just can’t make the payments no matter how minimal. Should I file for bankruptcy? How can I avoid getting my wages garnished? I have no problem with paying the bills if I just had the money.

Technorati Tags: bill collectors, credit card debt, doctor bill, living expenses, money, should i file for bankruptcy, wage garnishment, wages

Hey.. I was unemployed for 8 months and got very behind on all my bills, credit cards, loans.. etc..
I have collection agencies and debt collectors calling me at least 15-20 times a day trying to get there money (everyday all day).. I am about to file bankruptcy to get out of this mess.. I tried debt consolidation, its a joke.. My question Is when the creditors call me should I tell them im in the process of filing bankrptcy OR WILL THAT CREATE MORE PROBLEMS , SUCH AS WAGE GARNISHMENT OR SUEING ME ….

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creditor stopped a wage garnishment when i filed bankruptcy. many people say i should get a reimbursement and i’ll be repaid the garnishment money now that it has been stopped. what should i do to get the reimbursement? i did this years ago but i forgot how i went about getting the reimbursement check. any help greatly appreciated. thanks.

Technorati Tags: bankruptcy, creditor, money, wage garnishment