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I am a single woman with three kids. I am working to better myself but I have a lot of debts. I have called to get the payments down but it didn't work. I need a little help. I just got a garnishment for my job. If you can help me I would appreciate it. Thank you.
10 ANSWERS
Commercial & Bankruptcy Law Attorney serving Powell, OH
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Ronald K. Nims
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You need to file the proper documents with the bankruptcy court in your area.
Answered on Feb 13th, 2015 at 5:00 PM
Begin by meeting face to face with an experienced BK attorney. A number of attorneys offer a free consultation. You sound like a candidate for a Chapter 7 BK filing. You may qualify for pro bono services (free legal services). Contact Colorado Legal Services at (303) 837-1321 (www.coloradolegalservices.org). This is a state run agency that helps low income individuals file bankruptcy. Good luck!
Answered on Feb 12th, 2015 at 4:44 PM
Business Bankruptcy Attorney serving Raleigh, NC
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J.M. Cook, P.A.
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You need to meet with a qualified bankruptcy attorney. Check with the Bar Association's specialists website to find a board certified expert in your area.
Answered on Feb 12th, 2015 at 10:08 AM
Consult with a local bankruptcy attorney. Most bankruptcy attorneys offer free consultations. This will allow you to get a better idea of the process - what documents are needed, cost of filing, potential issues with filing, alternatives to filing, etc. You can stop garnishments by filing bankruptcy. If it is garnishment for a regular consumer debt (i.e. credit card, loan, medical debt, etc.), the bankruptcy, if successful, will stop the garnishment permanently. While a garnishment does not stop automatically upon filing, it stops very quickly after filing and any money taken after filing a bankruptcy must be returned to you.
Answered on Feb 12th, 2015 at 6:45 AM
Advocacy Attorney serving Boca Raton, FL
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Steven H. Meyer, P.A.
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You may want to consider filing for bankruptcy. If you live in Florida, we would be happy to speak with you about it.
Answered on Feb 12th, 2015 at 4:25 AM
Bankruptcy Attorney serving Madison, WI
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Richard B. Jacobson & Associates, LLC
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It is possible to file a bankruptcy petition without a lawyer, but it is rarely a good idea. There are various agencies which offer reduced price legal services for people in need. In the Madison area there is Community Justice, Inc. (check the phonebook) Some lawyers can be persuaded to do the work for free or for a sharply reduced fee. Since many people make such requests, it?s really important to ask for that kind of help only if you truly need it. Good Luck.
Answered on Feb 12th, 2015 at 4:24 AM
The bankruptcy court has links to all the forms you need to fill out, and a link to the U.S. Trustee's office which publishes a list of all the approved providers of the mandatory credit counseling. Document preparers advertise on craigslist if you want the least expensive help, but they can't give you legal advice or go with you to the hearing you will have with the trustee. Only an attorney can file the paperwork on your behalf and help you through the entire process, including the hearing. Why not call someone who offers a free consultation to find out whether it's easy enough to do yourself or if you would be better off hiring an attorney?
Answered on Feb 12th, 2015 at 4:23 AM
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I recommend you contact an attorney to discuss your options. Most have free consultations.
Answered on Feb 12th, 2015 at 4:22 AM
Depending on what area you live in, there is usually a Bankruptcy Court nearby. Most of them have "self help" desks to get you familiar with the forms to fill out. You can even apply for a filing fee waiver.
Answered on Feb 12th, 2015 at 4:20 AM
Consumer Bankruptcy Attorney serving Los Angeles, CA
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Orantes Law Firm
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Some bankruptcy petitions are simple and some are not. We charge depending on the complexity of the case and try to charge affordable amounts despite being a full-service bankruptcy firm. We offer a free initial consultation which usually last 30-60 minutes. If you are going to file, you should file before the 10 days for he actual garnishment to start expires and before payroll processes the garnishment.
Answered on Feb 12th, 2015 at 4:19 AM