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Question
I live in Washington state and have been getting garnished for old medical bills due to my jobs poor medical coverage for couple years now and have never been able to save enough to file for bankruptcy.
I work a retail job and am trying to support myself and my disabled wife and our 3 year old little girl.
But I am unable to provide for them due to the garnishments.
Right now we are late on rent and have a 3 day pay or vacate notice.
I have heard you can talk to the court about it,and maybe get them stopped for awhile.But who exactly would I talk to?
Thank you so much.
You may appeal to the judge and ask that they suspend the garnishment for a period of time or release it altogether. You will need to write a letter to the judge and ask for a hearing, then present your case as you did here.
You may also file bankruptcy to stop the garnishment. Depending on your state you may also enter into a trusteeship through the courts but this will only allow you to spread the garnishment money among several creditors instead of just the one.
Or you could contact the creditor or their attorney and ask them to accept a payment plan with reduced payments if they stop the garnishment.
Try writing the courts first.
Keep me posted.
Mike
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Answers by Expert:
Michael Brotherton
Expertise
Consumer/Debtor Rights Advocate. Mike Brotherton is a negotiator with over 30 years experience in consumer lending and collections. Mike has 30 years in the credit and collections industry as a former loan officer, debt collector and manager of two finance companies over several years. Mike is well versed in Loss Mitigation practices and the legal collection process. He has helped literally thousands of people over many years overcome serious financial problems such as foreclosure, creditor lawsuits and abuse by debt collectors. For more information about resolving your "financial emergency" visit www.financialemergency.com. FinancialEmergency.com is a consumer web site which actively promotes Fair Debt Collection Practices and other consumer protection laws. We teach DEBTOR RIGHTS and enforcement of those rights. The more informed you are of your rights and the credit collections practices of creditors the more peace you can have dealing with your FINANCIAL EMERGENCY. Most financial problems are fairly common and as such have some very common solutions. The key is understanding your rights in the collection process and how to enforce them if need be. Primary business- Debtor Rights Advocacy and Debt Mitigation relating to foreclosure, creditor lawsuits, and other serious financial problems. www.financialemergency.com (copy and paste in browser).
Experience
Over 40 years combined experience negotiating disputes and resolving financial issues related to consumer debt, corporate issues and mortgage modifications.
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