Judgment/garnishment being filed

My husband's previous job cut his pay by $12,000 a year last year. We have been struggling for over 1 year now. He is now working, but at a much lower job. I also work and make more than he does. A major credit card company has hired an attorney and they called the day after Christmas to let me know they are going to seek to garnish my wages. We live in Oklahoma, my husband works two jobs and I work one, we have children and what we make is less than what we must pay out, that is why we had to let the one card go. We are trying to pay the rest of our bills and keep working each day. We have no equity in our home to get a loan. We owe about 3369.14 per month in bills alone and that does not include food and gasoline or any extras. We make 3245.00 per month. How much can they take in a judgement and would be just be better off filing bankruptcy? My van's engine went out and we couldn't get any type of loan to fix it, but we could finance a new car at 17.95% interest. I assume the car will have to go back and then we will only have a small pickup to get 4 of us around and we cannot all fit into it. Help!!!

I'm in Oklahoma City. What town do you live in or near. Maybe we can just chat about all this by phone.

How much can they take in a judgement and would be just be better off filing bankruptcy

I believe they can take as much as 25% in a judgment/garnishment situation. That's what I've heard. Depending on your situation you may be better off with bankruptcy. That's just something that would have to be determined. Send me an email and we can chat about it and see what we come up with.

[email]ceo@creditwrench.com[/email] [url]http://www.creditwrench.com[/url]

Dear padoti,

A word of caution - bbauer doesn't know what he is talking about and is interested in talking with you to get you to subscribe to the various credit services he is selling. Don't buy anything from this guy - you will be ripped off and it sounds like you can't afford that.

Your wages are subject to 25% garnishment; however, in your situation with that many children if what you are paying out is truly for NECESSITIES you may be able to win a Claim of Exemption for all or part of the garnished wages. More than likely because of all the children, the court will reduce the garnishment amount to a more reasonable $50-100 per paycheck.

Good luck!


[email]JASON@LEGISLATOR.COM[/email]

[color=brown]A word of caution - bbauer doesn't know what he is talking about and is interested in talking with you to get you to subscribe to the various credit services he is selling.[/color]

Lordy! Lordy! Open the hatches, the boob is loose again. I don't sell any credit services, I'm a fisherman. I troll through the 'net just like any lake fisherman does. I put out some bait on the end of a long line and troll through and it ain't long before I got another crappie like you on the hook.

[color=brown]Don't buy anything from this guy - you will be ripped off and it sounds like you can't afford that.[/color]

What she can't afford is your stupidity. I'm not trying to sell her anything.
<font size="6">[color=black]I'll gladly help her for free.[/color]</font>
All I gotta do is get her away from the likes of you so she don't get bit by you and your ignorance.

[color=brown]Your wages are subject to 25% garnishment;[/color]

Her wages are subject to most anything if she believes you. She might very well be left in the streets and her kids to if she believes you. You got no answers. All you got is more problems for her to fight.

[color=brown] however, in your situation with that many children if what you are paying out is truly for NECESSITIES you may be able to win a Claim of Exemption for all or part of the garnished wages.[/color]

Wow! More attorney fees, more court appearances, more hassle. His advice is worse than a huge dose of epsom salts. The truth is that you can easily get better relief in an outhouse than you can in a courthouse and get it a whole lot quicker. He's gonna have you spending months trying to get your money back so you can feed your kids. With friends like him who needs more enemies?

More than likely because of all the children, the court will reduce the garnishment amount to a more reasonable $50-100 per paycheck.

$50 bucks per paycheck gone poof! if you are lucky and maybe a $100 or more if he's wrong. And he thinks that's good advice?

You listen to him and you and the kids are probably out in the cold or going hungry. Give me a call or an email and I'll tell you how to beat that all to pieces, not hire anybody to do it for you and don't have to pay me either.

What I will teach you has about a 98% chance of getting you home scott free by all nationally available statistics and his advice stands a 100% chance of costing you about $100 a month off your table and a bundle of lawyer fees, court costs, time wasted in the courthouse when you should be working to help feed your kids or home taking care of them.

Even if mine don't work for you then you can still get a lawyer and go fight what he's got planned for you. You won't be any worse off because I'm for free.

Gotcha, didn't I Mr. Crappie?
And I'll bet you are so stupid you will fall for the next piece of bait I put out for you too. Lunkheads like you never learn.

Originally posted by bbauer
The truth is that you can easily get better relief in an outhouse than you can in a courthouse and get it a whole lot quicker. He's gonna have you spending months trying to get your money back so you can feed your kids. With friends like him who needs more enemies? $50 bucks per paycheck gone poof! if you are lucky and maybe a $100 or more if he's wrong. And he thinks that's good advice?

Do you read? Your posts really are mindless drivel. The question is what could the judgment creditor take by way of enforcing their judgment. I gave her the answer and warned her about you. Carrying on like a child only serves to strengthen my position.

You listen to him and you and the kids are probably out in the cold or going hungry. Give me a call or an email and I'll tell you how to beat that all to pieces, not hire anybody to do it for you and don't have to pay me either.

Yes, that's a good idea. Call him and he can give you the same idiotic advice that has been laughed at continually on this board for the past week. Get yourself into a worse situation than you are already in. I'm sure he'll be glad to tell you how to beat that judgment. LOL.

What I will teach you has about a 98% chance of getting you home scott free by all nationally available statistics and his advice stands a 100% chance of costing you about $100 a month off your table and a bundle of lawyer fees, court costs, time wasted in the courthouse when you should be working to help feed your kids or home taking care of them.

What nationally available stastics? Please provide a cite. I would love to see some of these statistics. The ones that you spew on this board are pure crap.

Even if mine don't work for you then you can still get a lawyer and go fight what he's got planned for you. You won't be any worse off because I'm for free.

First of all I never told her to get a lawyer. I was addressing her QUESTION. That is the idea - somebody asks a question and you provide an answer - get it? The question had to do with judgment creditor remedies. She would not need at attorney to file or argue a Claim of Exemption. And FYI the wage garnishment is stayed until the COE is heard.

Gotcha, didn't I Mr. Crappie?
And I'll bet you are so stupid you will fall for the next piece of bait I put out for you too. Lunkheads like you never learn.

You didn't get anything, as usual you made a fool of yourself. Won't you ever grow tired of being laughed at?


[email]JASON@LEGISLATOR.COM[/email]

"What are you people thinking??"

[color=brown]Do you read? Your posts really are mindless drivel[/color]

Jeez! You mean your habits are starting to rub off on me?

Just goes to prove that if you go to bed with dogs you will wake up with fleas.

Monkeys is even worse.

[iluvbarbiedolls]

Hi I am not a lawyer but someone who has been in your position one to many times. I live in Utah so laws might be different where you live so check with an attorney in your area. Me and my husband about two years ago got sued for $300.00 that we owed a check cashing place My husband went to court but the judge must have been in a bad mood because he let the other company take 25% out of our checks ( they were only $800.00 checks a month) he didn't care that we had bills or that we couldn't even keep our power on every month. We decided to file Bankruptcy and it got them off our back. Then three months after our Bankruptcy discharged we did something stupid and bought a car ( how dumb could we be) At the time I was working and so was my husband then I got pregnant and had to quit my job because of complications and once again we were in trouble and could not pay for the car My father and my Grandpa tried to pay our payments so we would not loose the car but the loan people got demanding and started to call my father and Grandpa telling them they had to pay off the car and it was there responibility because I was there daughter or granddaughter. They stoped making payments that was in March well it is January and my husband just got off the phone with me from court (they took the car and then sued us for the remaining balance which was $5000.00) He said that the judge told him because they can not find no wages to garnish that he had to pay $50.00 a month or he would go into default and that means they can come into our home and have a sherif auction. We don't really have $50.00 a month but we can't file Bankruptcy again for 6 years so we are stuck paying it. Bankruptcy could be the best thing for you, but make sure you talk to some one in your area first so that you know your options and please if you file Bankruptcy don't do the stupid thing we did.