After 7 years employed at a firm they locked their doors last Thursday. Chapter 11 happens this week. 7/1 payroll did not happen, and I am a sales person paid upon invoice so I also lost any potentials wages on future work.
Okay we lost a home due to foreclosure and have been informed to file bankruptcy on this debt before they try to take wages. Exactly what happens when you do this? Someone told me they will auction off your furniture kids toys anything you have pretty much. Including you won’t get tax returns for the next 3 years, it will all go to creditor. Is this correct? Any advice or anything else valuable to know? Thank-You so much in advance.
Have to file bankruptcy. Been out of work for 6 months. Two credit cards have been written off but amount, I guess, has been turned over to a collection agency. When I file for bankruptcy do I just list the bank or just the collection agency? Can the collection agency garnish my wages if I obtain employment? Thanks.
I received a notification in the mail that my wages are being garnished by a credit card company, for an outstanding debt. I cannot afford for this to happen because I am a single mother of my daughter. How much or what percentage can be garnished? I live in Maryland. I read on a website that they can take all but 0 of my check a month. Is this true? I am currently unemployed but I have had numerous job interviews. I assume that once I become employed my wages would be garnished immediately. I am thinking of filing bankruptcy because I have other credit card companies that will be coming after me for money that I do not have. I heard bankruptcy can be filed online to save money for a lawyer. I do not have money to pay a lawyer. PLEASE HELP!
Yes, I did have a court date but I did not go because I knew I owed the money and I did not have the money for a lawyer.
I’m afraid if I don’t file bankruptcy I will have no money left to raise my daughter. I owe about 00 to different credit card companies. Can they all garnish me at one time? If so, I may not have enough money to get my daughter what she needs.
thank you so much for your responses. It is a huge weight lifted off of my shoulder. So you think I should not file for bankruptcy? How long do you believe it would take me to pay off the 00 debt? Once it is paid off, will my credit go back up, with time? I have a car loan but it is on time.
I have not filed my taxes since 2005 when I filed my 2004 wages. Can I still file even though that has not been done, or do I need to file before I actually meet w/ the atty to file for the bankruptcy? -desperate
I’ve tried getting second jobs,going to credit counseling services.I’ve had 2 car accidents in the last year and also I was sick or hurt a lot in 2006 as well,so those things impacted my wages a lot.Now I’ve even contacted a bankruptcy attorney as well.What are some other ways I can try to get around my debt problem if they are any,what would they be too.
A lady dropped off some papers in person today, from a law firm, stating he needs to appear in court Oct 17th. The total came to a little over 1600$, he has 2 other cards with about this much on each (but neither has filed a complaint). Problem is, we are barely making it as it is, we are even on food stamps right now. We have 3 children, and I don’t work right now, I plan to go back to school. Also, he was only 17 when he got the card, he lied on the application, will that have an effect? Should he file for bankruptcy? Can they attach his wages?
If a credit card company takes me to court & gets a court order to garnish my wages from work, will filing bankruptcy stop the garnishment?
I was going through a hard time on the date of a court appearance, my son had been prematurely born in Sept, he was due in January. He passed away in Dec. They put a guilty plea for me because I didn’t go. The case was for some money that my ex had taken out of his dad’s account and we spent it. I know it was wrong, I was dumb. but now they are trying to pin all of the money on me…,000! I would have been willing to do some of it, but damn. So now they are trying to garnish my wages, the only option I can think of is bankruptcy, I have a lot of debt anyway and I really don’t care anymore. I’m young and I can handle it. But I need to know if that kind of judgement would stand through a bankruptcy ch7?
Hi Yahoo people..I plan to file a chapter 7 bankruptcy, but before I do that, I need some information about chapter 7.
1. I have Garnish on my wages right now..can chapter 7 stop or erase any of garnishment against me??
2. Can I do this online or file it myself, or higher a bankruptcy lawyer..??
3. How long does the process take??
I hope someone outhere will help me ..Happy Holiday to all..
I have a family, we don’t charge anything anymore. Been paying on these bills for several years. Make good wages, all goes to credit card payments. Have about 120 bucks a week for groceries, gas, entertainment. I’m gonna whine here a bit so bear with me, I have made bad decision with my finances, put money into our house that is now maybe worth what we owe on it….Is that any different than the banks making bad decisions? You know, the whole bailout thing. Where’s mine? Or at least a low interest government loan.
Madoff, i agree with your comments. My house is not the issue.I give 65k for it with some land. My wife and i make that much per year. I don’t think i’m house poor. We all make bad decisions in our life. And i would be glad to pay my debtors back. But i can’t do it with 20% interest.
If I have a judgment against me that i just found out about can I file bankruptcy ? My friend was served and appeared for her court case but the credit card company asked for a continuance and never said when the next court date was. When she called up with the court she was told that she would receive something from the court (or credit card company) when the next date will be. The next thing she knows she has a default judgment against her and the company is threading to garnish her wages?
Can she have the judgment Vacated after more than 3 years? Should she just set up a payment plan with the court and not the creditor? Should she file bankruptcy?
The credit card company wants the entire amount of 8500 and will not let her make payments without putting half down.
What should she do.
I am a 21 year old male. i live with my parents and drive their vehicles. when i turned 18 i maxed out about 8 credit cards and messed up bad. i paid about 1/3rd of what I racked up, now i still owe…
a local bank ,100
At&t 0 ( i now have t-mobile so a phone isn’t a problem for me)
credit card 0
and I owe my brother ,800 for a motorcycle he has in his name he’s letting me drive.
i am trying to go to community college this upcoming fall for pre med nursing studies. and there is no way ill have all this paid off in time.
if i file chapter 7 bankruptcy what can i expect to have to pay back and deal with? i have no clue about it since my parents have always had a good standing.
and before you ask, no they wont lend me the money to pay it off. Its my responsibility so they want me to man up and take action.
wil the government garnish my wages from my job? i don’t really have any personal belongings they can take from me so…. yeah any help i would greatly appreciate.
so i would need to get a lawyer as well?
This is a question related to last week’s question kindly answered by helpful person…"is not paying unsecured credit card debt an alternative to bankruptcy [?] ". The answer included info that my wages could not be garnished in TX. I now need to know about NM & AZ.
Considering I can’t do debt consol and would very much like to avoid bankruptcy….I am trying to put my life back together after ex husband in TX surprised me by divorcing me after 14 yrs. and then filed bankruptcy himself instead of filing as a couple (which he had told me he would do-as a couple) and in doing so dumped debts on me. Collectors who can’t collect from him are now calling me. THANKS GREATLY FOR YOUR HELP.
i couple of years back i brought a car that i couldnt afford. i returned the car a voluntary repo and that is on my credit. The Lender now wants to garnish my wages to pay back the loan. I do not want to file bankruptcy I would like to know if there are any alternatives to help me with this debt and the other things on my report because now i’m a position where I have enough money to repair and repay the thingson my credit.
there is a line in the contract that says he can’t list his attorneys fees in his bankruptcy. is that right? she can garnishe his wages and he can’t include her bill in bankruptcy?
Does anybody know if you can file bankruptcy on a Federal school loan? If you have already defalted on the loan but they have not garinish your wages yet, and you can not make any payment on the loan at all, can you file an the federal school loans too, when you file?
I’m 23 bills include BofA credit card which they are taking me to court for..Personal Loans…Medical etc..
Some people say its to little other people say start clean what do you think?
BTW because the debt is so little I was gonna have a paralegal/typist do all the forms for me at 5 im worried when I get a job they are gonna garnish my wages
I am filing chapter 7 bankruptcy, but have a case w/ the EEOC against my former employer for discrimination. If I receive back wages or a cash settlement, will I be able to keep that money?
I just began the process of filing bankruptcy a month ago. It costs 1500 and I’ve been making payments. In the meantime I got a letter from a loan company taking me to court to try to garnish my wages.