Hi - I'm new here. I have joined this community because I have $13K on a credit card, the credit co. filed a judgment and is about to garnish wages. It all started when I lost my job 2 1/2 years ago, then tried to negotiate with the credit card co. but that didn't work. I got some "help" from an attorney who tried to reduce the amount owed so I could get a workable payment plan going but all that did was waste a year's time. I then tried to get on a plan with a debt consolidation service but they told me it was too late and there was nothing they can do to help me; I will have to file bankruptcy. I really don't want to do that (it'd be the 2nd time)- I'd rather be able to pay it off someway, somehow-- but I don't know what else to do. My hubby has a medical condition & needs medication and we really can't afford to have my wages garnished. I'm feeling pretty depressed and afraid, but trying my best to be hopeful and trust God for an answer.
Posts You May Be Interested In