Credit Card Debt Garnishment

Credit Card debt and garnishment-from custody battle.!.!.!?
Ok before everyone tells me I don't know how to manage my money I would like to explain. I racked up 3 credit cards because of a custody battle. It was completely worth it and if I had to do it again, I would. I had no other choice. I had not collateral for a bank loan.
Her is my few questions. Since I was in a financial hardship and couldn't pay then they will probably garnish my wages. Can more than one company garnish my wages at a time or can only one garnishmnet be done at a time on my wages?
Next question is this. Lets say I don't make a payment on these accounts. It's already been two years and I haven't made a payment. If I start to make a payment now then it reports to my credit as new activity and starts the 7 year process of removal off my credit all over again. I have read up on that. So instead of filing bankruptcy, I've thought of just leaving them alone for 5 more years. These are closed accounts, closed by me not the creditor (I believe,cause I was told that would look better at the time). But....Can they still add interest and late fee's and if so does this info get sent to my credit report as new activity (cause of a new balance with the fee's, etc.) and constantly start my 7 years removal off my credit all over again every time they may this change. Does this make sense? I hope so.
I also have 2 hospital bills from depression (hospitiliazation-which they didn't work with me on hardship, which is understandable, some companys do and some don't). The other hospital is ER bills. I unfortanetly(spelling) have no insurance. I've tried working with them but they just keep saying thats not enough money.
Can-lets say one credit card and one hospital garnish my wages at the same time?
Sorry for all the questions but I'm trying to get back on track with good health, decent job, etc. I use to have a 849 credit score and I know someday I will get it back up there. I just have to get health insurance, etc. I do manage money well, even though this post doesn't show that. But my (life-my daughter) was more important then my credit. Now that the custody is settled. I'm ready to have my credit back but need to know these answers first. If it takes me 5-10years to build back my credit then I can handle that. I will be 41 in 10 years and by then I will be able to help my daughter with college due to building my credit back up. Life is good and I know I can do this. Thanks, Thanks, Thanks.
I know some of you will say just pay them but my main focus is on the questions I asked. That would help me out so much.

Oh and I know all states are different on there laws. I live in Nebraska so if that helps.

Thanks Again
God Bless
51 minutes ago - 3 days left to answer.
Additional Details
5 minutes ago

Just so e1 know. I do not make any more purchases with credit cards. I don't even use them or even have any.
4 minutes ago

Not even store CCards. If I can't buy it with cash within my budget then I don't buy it. Food and gas alone these days is tuff.
9 seconds ago

Zoey (another user on another questions), thanks for the info at the end. I do all this all ready. I have no more credit cards. We only eat out when family gets together like once ever 4 months and I take my own coffee to work, lol. I even compare prices at the grocery store. Some people call me a tight azz but I have to be to make ends meat and see me credit where it use to be. I still thank you for the information. I almost don't even drink pop anymore and make tea at home and use my old pop bottles to fill up. I'm a trying. Also, when I purchase something, I never give exact change, that way I get change back. I save my change and then every 6 months or so-I get a big suprise, yah, lol.

I can't seem to get simple answers to these questions. I know how to budget, I know how to save some money when I have extra to save, I don't have a spending problem, never have. I just got CC debt do to a custody battle and some depression which inquired hospital bills. Everything else is ok. So please no more answers about stop spending, how to save money. I'm already a tight azz. There is just never any left over after bills. I'm just looking for answers to my questions is all.

You could try making an offer to your creditors, but you have to follow through if they accept, and it will hurt your credit rating, but it may keep your wages from being attached. And ignore these jokers that tell you that your going to make a ton of money at home, their spammers.

2008-10-15 22:08:29 by heavenseyes98

If you are sued by a credit card company, the judgment against you may end in a wage garnishment, a lien against your property or a levy on your ...

How will they garnish that money, since waitresses don't receive paychecks for any substantial amount, and most of their income is tips. Also, will they be able to garnish my tax refund check?

Well they obviously wont get much but if you can find a way to pay more, please do.
If you can get a second job, do what you can to get them off of your back. As you can see, they wont go away but what you might not understand is that they are charging you INTEREST on your unpaid amount.
You have also had attorney's fees and court costs added on to your previous balance.
If your paycheck allows them to take $100.00 a month from you, YOu could see a $4k debt rise to $8 k in a very short amount of time (since your payments wont even meet your interest on the debt)
Best of luck to you-also
when the time comes that you do want to straighten out your credit, this judgement will be on your record

2008-02-01 07:35:13 by elindseyh10

Price: $9.99

I have a friend who requested my advice on a bad financial situation. The details I gathered were these:

•He has two garnishments being taken from his pay check at the same time.
•One is for child support and the other for credit card debt.
•According to my friend, the amounts total to more than he is able to relistalcally survive on. In fact he is no longer able to pay for insurance for his daughter.
•I advised him that he should file a slow pay motion with the court, in order to get the credit card one reduced. He responded that the clerk of courts informed him they do not have this particular form. They also told him he would probably need to contact the Sheriff’s office since they are actually the ones who are handling it. He contacts the Sheriffs’ office and they tell him that the only way to reduce it would be for him to hire an attorney.
•My friend certainly does not have the money for an attorney and surely there must be a way he could file this without one????
•This is in Lafayette Louisiana parish court, if this makes a difference.

One additional note is that these debts were incurred due to a job layoff combined with a divorce.


Any advice I could pass on would be greatly appreciated!!!

Well, I am not in the same area as you, but from where I'm from (new england) its called a motion to modify.

They are only suppsosed to take out a certain percentage. Maybe one didnt know about the other when the judgement was ordered.

Good Luck.

2008-08-12 10:42:08 by Nelson C

Would signing an application for a Discover card and the associated Cardholder Agreement mean I agreed in writing to have my wages garnished, and thus prevent an exemption as Head of Family?

You're confusing a lot of stuff.

Would signing an application for a Discover card and the associated Cardholder Agreement mean I agreed in writing to have my wages garnished? Garnishment can only occur when there is a court order. That occurs when you haven't paid for a few months.

You cannot be made to agree to such a thing, it's not legal.

, and thus prevent an exemption as Head of Family? This has to do with taxes, not credit.

That is what goes on the 1040, and a W-4.

2007-10-17 14:08:03 by patrolman

Ok before everyone tells me I don't know how to manage my money I would like to explain. I racked up 3 credit cards because of a custody battle. It was completely worth it and if I had to do it again, I would. I had no other choice. I had not collateral for a bank loan.
Her is my few questions. Since I was in a financial hardship and couldn't pay then they will probably garnish my wages. Can more than one company garnish my wages at a time or can only one garnishmnet be done at a time on my wages?
Next question is this. Lets say I don't make a payment on these accounts. It's already been two years and I haven't made a payment. If I start to make a payment now then it reports to my credit as new activity and starts the 7 year process of removal off my credit all over again. I have read up on that. So instead of filing bankruptcy, I've thought of just leaving them alone for 5 more years. These are closed accounts, closed by me not the creditor (I believe,cause I was told that would look better at the time). But....Can they still add interest and late fee's and if so does this info get sent to my credit report as new activity (cause of a new balance with the fee's, etc.) and constantly start my 7 years removal off my credit all over again every time they may this change. Does this make sense? I hope so.
I also have 2 hospital bills from depression (hospitiliazation-which they didn't work with me on hardship, which is understandable, some companys do and some don't). The other hospital is ER bills. I unfortanetly(spelling) have no insurance. I've tried working with them but they just keep saying thats not enough money.
Can-lets say one credit card and one hospital garnish my wages at the same time?
Sorry for all the questions but I'm trying to get back on track with good health, decent job, etc. I use to have a 849 credit score and I know someday I will get it back up there. I just have to get health insurance, etc. I do manage money well, even though this post doesn't show that. But my (life-my daughter) was more important then my credit. Now that the custody is settled. I'm ready to have my credit back but need to know these answers first. If it takes me 5-10years to build back my credit then I can handle that. I will be 41 in 10 years and by then I will be able to help my daughter with college due to building my credit back up. Life is good and I know I can do this. Thanks, Thanks, Thanks.
I know some of you will say just pay them but my main focus is on the questions I asked. That would help me out so much.

Oh and I know all states are different on there laws. I live in Nebraska so if that helps.

Thanks Again
God Bless
Just so e1 know. I do not make any more purchases with credit cards. I don't even use them or even have any.
Not even store CCards. If I can't buy it with cash within my budget then I don't buy it. Food and gas alone these days is tuff.
Zoey, thanks for the info at the end. I do all this all ready. I have no more credit cards. We only eat out when family gets together like once ever 4 months and I take my own coffee to work, lol. I even compare prices at the grocery store. Some people call me a tight azz but I have to be to make ends me and see me credit where it use to be. I still thank you for the information so if other read this, then maybe it will help them. I almost don't even drink pop anymore and make tea at home and use my old pop bottles to fill up. I'm a trying.
I can't seem to get simple answers to these questions. I know how to budget, I know how to save some money when I have extra to save, I don't have a spending problem, never have. I just got CC debt do to a custody battle and some depression which inquired hospital bills. Everything else is ok. So please no more answers about stop spending, how to save money. I'm already a tight azz. There is just never any left over after bills. I'm just looking for answers to my questions is all.

The maximum garnishment is 25% for all parties that have won any judgments against you.....If one firm is already garnishing at 25%....another firm that has won a judgement could not add another garnishment on top of that...they'd have to wait their turn in line until the first garnishment if finished.

2008-10-15 21:12:29 by heavenseyes98