Q: How can I stop my tax refund garnishment from a car repossession?
I have had a court-mandated garnishment for 9 years due to a car repossession. Each year, about $3,000 is taken from my tax refund. I have not been employed recently and haven't been able to communicate with the debt collectors. The original debt was $22,000, and my current balance is $13,000. I haven't attempted to contest the garnishment in court and haven't received any correspondence from the courts or creditors in 8 years. How can I stop them from taking my entire tax refund without having to file for bankruptcy?
A:
First thing. I assume these are Michigan refunds. If so stop filing. The state doesn’t care if you file when you expect a refund.
Why are you reluctant to file bankruptcy?
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