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#1
Apr 14, 2018, 07:41 PM
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Anyone have any experience dealing with a debt settlement lawyer. I was going to declare bankruptcy but my situation has somewhat improved. I have a creditor garnishing my wages for 10K and owe about another 10K in other creditors. If the garnishments stop I can afford to pay everything off in monthly installments and rebuild some credit without having to declare. I just need someone helping me to convince garnishment to stop. Any advice on where to start?
__________________
Lactimal 175 mg Pristiq 100 mg Gabapentin 1800 mg Klonopin 1mg. Major depression Social anxiety disorder |
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#2
Apr 14, 2018, 07:49 PM
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You might be able to get out of the garnishment agreement - that sounds like a POS to me. Contact a debt management firm to discuss an arrangement that will lower your monthly payments. Cash flow is the key - if you can pay your bills every month, everyone will leave you alone. The downside is you have to extend the term of your payments. But a debt management (not debt settlement) firm will help lower your monthly payments, get you on a schedule, and get you out of debt in 60 months or so.
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#3
Apr 14, 2018, 08:10 PM
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Quote:
Any advice stopping the garnishment?
__________________
Lactimal 175 mg Pristiq 100 mg Gabapentin 1800 mg Klonopin 1mg. Major depression Social anxiety disorder |
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#4
Apr 14, 2018, 09:07 PM
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I would see if there is a free, non-profit consumer credit Counselling center that can help you.
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#5
Apr 14, 2018, 09:29 PM
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To pay off your debts blows bankruptcy away how ever long and much it takes. Just do it.
To buy good credit costs. |
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#6
Apr 14, 2018, 09:56 PM
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You don't owe enough to fold.
Counselling is the way out.
__________________
]Roses are red. Violets are blue.[ Look for the positive in the negative. PIRILON. If lemons fall from the sky, make lemonade. Unknown. Nothing stronger than habit. Victor Hugo. You are the slave of what you say, and the master of what you keep. Unknown. |
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#7
Apr 14, 2018, 10:07 PM
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Employ the services of the accountant firm Dewey, Cheetum & Howe.
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#8
Apr 15, 2018, 07:01 AM
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Quote:
__________________
Lactimal 175 mg Pristiq 100 mg Gabapentin 1800 mg Klonopin 1mg. Major depression Social anxiety disorder |
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#9
Apr 15, 2018, 06:37 PM
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There is no incentive for an entity to stop garnishing your wages unless you can offer them a higher monthly (guaranteed) fee than they're getting from you now. There are ways a court can get you out of a garnishment arrangement if you can show that you can't pay necessary living expenses without that money, including food, rent and clothing. The whole matter should already have come to court. Your best bet here is to use a non-profit money management firm, as others have suggested, and don't expect anything to happen quickly. It took us 7 whole years to clear our credit--without even a bankruptcy a default or a foreclosure.
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