QUESTION
How can I get rid of old debt garnishment?
Asked on Dec 19th, 2012 on Bankruptcy - California
More details to this question:
I had a lot of medical bill debt in 2005. The collection agency was calling me all the time. I payed off some of it but not all. I can't pay anymore of it. Worried about getting sued. What can I do? Do I have to file bankruptcy?
15 ANSWERS
Bankruptcy Attorney serving Madison, WI
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Richard B. Jacobson & Associates, LLC
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Bankruptcy would certainly end the garnishments. Whether it is a good idea for you depends upon a thorough review of the debt situation, your income and assets and possibly other considerations. You really would benefit from consulting a skilled bankruptcy lawyer to see if it will be a good idea for you.
Answered on Dec 21st, 2012 at 1:38 AM
Bankruptcy Attorney serving Petaluma, CA
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Law Office of Andrew Kern
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Either offer to settle or you can file a bankruptcy to discharge the debt.
Answered on Dec 21st, 2012 at 1:15 AM
Daniel James Wilson
A bankruptcy will stop debt collection, including garnishment.
Answered on Dec 20th, 2012 at 1:32 PM
Bankruptcy Attorney serving Overland Park, KS
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The Smalley Law Firm, LLC
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I suggest you attempt to reach a settlement or payment plan on the debt. If a judgment is entered against you and an order of garnishment only bankruptcy would be able to stop the garnishment. I suggest you consult with an attorney to discuss the specific details of your situation.
Answered on Dec 20th, 2012 at 1:32 PM
Criminal Defense Attorney serving Deltona, FL
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R. Jason de Groot, P.A.
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Bankruptcy might be an option for you. Consult with a bankruptcy attorney in your area.
Answered on Dec 20th, 2012 at 1:29 PM
Bankruptcy Attorney serving Oakdale, CA
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Law Office of Todd Whiteley
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Bankruptcy discharges most, if not all, medical debt that I can think of. Once the debt is discharged, you can't be sued for it or have wages/accounts garnished for it. Bankruptcy is the only sure means that I know of to discharge debt; so yes you do have to file bankruptcy if you want to be certain the debt is discharged.
Answered on Dec 20th, 2012 at 1:28 PM
Chapter 13 Bankruptcy Attorney serving Bloomington, MN
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Gregory J. Wald
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If you haven't been sued for these bills, it is possible that they are beyond the statute of limitations for suing you and garnishing your wages.
Answered on Dec 20th, 2012 at 11:57 AM
Bankruptcy Attorney serving Atlanta, GA
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Saedi Law Group, LLC
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You can contact the creditor and see if you can work out a repayment plan for the debt owed. If they are unreasonable and will not work with you then you may want to meet with a bankruptcy attorney to review your options.
Answered on Dec 20th, 2012 at 7:37 AM
Bankruptcy Attorney serving Phoenix, AZ
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Law Office of D. L. Drain, P.A.
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Two options: 1) Pay it all, or 2) File for bankruptcy. Please understand that filing for bankruptcy is a very complicated process. It is wise to talk to an experienced bankruptcy attorney before deciding to take this important step. Most Arizona bankruptcy attorneys offer a free consultation about the basics of bankruptcy.
Answered on Dec 20th, 2012 at 7:37 AM
Bankruptcy Attorney serving Buford, GA
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Kenneth A. Parker, PC
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A Chapter 7 or 13 Bankruptcy can help you get rid of garnishments. Call a Bankruptcy attorney now to see what your options are before a garnishment occurs.
Answered on Dec 19th, 2012 at 5:38 PM
There may be several options for you and bankruptcy is one of them. Is this your only debt?
Answered on Dec 19th, 2012 at 5:38 PM
Many times, old judgments can be settled for pennies on the dollar if you can come up with a lump sum of cash. Bankruptcy can also be an option if the total debt is substantial. There is no point in worrying about being sued on debt that you have been garnished on, the fact that you were garnished tells me that you already were sued and lost. If you have any other assets (such as real estate or money in the bank), they could be in jeopardy of being affected by these judgments.
Answered on Dec 19th, 2012 at 5:37 PM
Bankruptcy Law Attorney serving Livingston, NJ
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Law Office of Stuart M. Nachbar, P.C.
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In NJ: Probably your best bet
Answered on Dec 19th, 2012 at 5:37 PM
Chapter 13 Bankruptcy Attorney serving Winston-Salem, NC
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Love and Dillenbeck Law
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Maybe not, but all situations are unique. Call an attorney for a consultation.
Answered on Dec 19th, 2012 at 5:37 PM
Bankruptcy is a good option to eliminate medical bills, but you always need a consultation with an attorney to know if that's the best option for you. And depending on the particular facts, the statute of limitations may have expired and a lawsuit is not available to the creditor any longer. Identifying when the statute of limitations started to run will be something your attorney will identify, so in this regard you'll also need an attorney consultation.
Answered on Dec 19th, 2012 at 5:37 PM