Q: Re: Debt Collection, Doscover Card, Amount: $14000. I have Medical and CalFresh benefits. I am a Gig Driver, low incom
I cannot pay this Debt, I make $1800/month NET income. After rent & utilities, have $280 left for incidental per month.
I have a wife and 18 yr old in college. The $280 is not enough to cover our monthly cost.
Per my doctor advise with current medical problems, I am 68, now I work 5-6 hrs/7 days to earn enough for rent and some, we get by with CalFresh benefit of $443/month.
What will the court consider for the pay back, if any?
Thank you so much.
A: as a general note, the court does not really consider much of your personal financial state when it comes to collections lawsuits unless you fall into a category of being judgment proof. the court will likely allow a judgment against you which means your wages could be garnished and your bank account can be garnished. you may want to consider filing bankruptcy and wiping out this debt, and any other debt you may have. that will give you a fresh start and you won't have to worry about stretching your monthly finances. contact a bankruptcy attorney for a free consultation to further evaluate your situation.
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