What Can I (or they) Do?


J

Jamal

Hello To All,

I will try to make this short and sweet, which I know it
isn't. In 2005 I received a fully discharged bankruptcy in Boston,
MA. About a year later, we (my ex wife and I) started getting credit
card offers again. So we took them up on it. YAda., yada. It's 5 years
later, I lost a $12,000 judgement in court, (I was a no show in the
confusion) to a local law firm and they are trying to collect on it.

I don't have a great job and don't make alot of money. In fact, I
make enough to pay my rent, insurances, car, and sometimes food. I
bareley get by and that is a fact. What, if anything can they do to
me? I have a payment plan, but sometimes I can't make it and fall
behind, but I am trying to communicate that to them.

I know I am in hot water, what can they do, and what can I do?

Thank you to any and all who can reply!!!

MRJ
 
B

Brett Weiss

The credit card company can garnish wages, attach bank accounts, and
generally make your life miserable.

You can still file a Chapter 13.

Brett
BankruptcyLawMaryland.com
 
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J

Jay-T

Jamal said:
Hello To All,

I will try to make this short and sweet, which I know it
isn't. In 2005 I received a fully discharged bankruptcy in Boston,
MA. About a year later, we (my ex wife and I) started getting credit
card offers again. So we took them up on it. YAda., yada. It's 5 years
later, I lost a $12,000 judgement in court, (I was a no show in the
confusion) to a local law firm and they are trying to collect on it.

I don't have a great job and don't make alot of money. In fact, I
make enough to pay my rent, insurances, car, and sometimes food. I
bareley get by and that is a fact. What, if anything can they do to
me? I have a payment plan, but sometimes I can't make it and fall
behind, but I am trying to communicate that to them.

I know I am in hot water, what can they do, and what can I do?

Thank you to any and all who can reply!!!

MRJ
One thing you can do is meet with one or more experienced bankruptcy
attorneys in your area. Many (or most) will provide a free initial
consultation. One option, for example, may be to file a Chapter 13
bankruptcy, especially if you have creditors who will be coming after you
for other debts that you owe.

If you do the consultation(s), ask about what would happen if they got a
wage attachment order to collect the debt from you. Here's a link about
that for Massachusetts:
http://www.debtsettlementlawyers.com/resources/debt-settlement/debt-collection/massachusetts-wage-garnishment-laws.htm.I mentioned this because maybe if you only have this one judgment and debtto worry about, it may be that the wage attachement will work like a miniChapter 13 -- meaning a payment plan where only a certain amount of moneygets taken each month to repay your debt. I think you would have to protectother assets you have at the same time such as by not keeping much money inany bank accounts, cashing paychecks and paying bills with money orders,etc.Good luck.Do the free consultations.
 

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