Q: Being threatened with wage garnishment for 2 different debts and already getting garnished for 1, what can I do?
I feel it's time to file bankrupt but don't make enough money to get a lawyer and definitely do not make enough for so many garnishments to be coming out of my check. I make about $200/wk and that is all I have for income, I have children who's father does not pay child support or help in anyway. What can I do to stop this?
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A:
It's tough to deal with multiple wage garnishments, especially when you already have one in place and a limited income. First, consider contacting the creditors to explain your financial situation and request a reduction or temporary suspension of the garnishments. Sometimes, creditors are willing to negotiate, especially when they understand the hardship you're facing.
You might also want to explore legal aid services in your area. Many organizations offer free or low-cost legal assistance for individuals in your situation. They can help you understand your options, including the potential to file for bankruptcy if that's the best route for you.
Additionally, it might be beneficial to look into government assistance programs that can provide temporary relief for you and your children. Programs like SNAP, TANF, and local food banks can offer support to help ease your financial burden. Taking these steps can help you regain control over your financial situation and provide some much-needed relief.
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