With apologies to Money1962:
Bigun: Since you have blocked access to receiving direct emails from the forum, I am forced to send this to you via the public forum (I would normally send this privately).
For some reason, you seem to be a big advocate of bankruptcy filings. Are you in the bankruptcy biz???
IMHO, your making broad sweeping recommendations to file for bankruptcy clearly does not seem appropriate in a lot of your 'advice posts'.
For example, this particular case....
You have no idea the amount of the outstanding debt, you have no idea what assets or other debts this person has, you have no idea of the validity of the debt, you have no idea if this is a debt or a judgment, and so on, yet your only suggestion is "Why don't you 2 consider bankruptcy"!!
Without intimate knowledge of the facts of the debtors, I personally think that this suggestion is premature to say the least. I have to believe that you seem to have another agenda here.
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Back to money1962:
Your post is a little contradictory. It implies that she is being sued ("my spouse has received court documents to be sued for credit card debt."), yet later you talk about garnishment. If she is still in the process of litigation and no judgment has been rendered, there can't be garnishment. My suggestion would be to find out if she is being sued, and if so, defend the case if there is a defense. However, if a judgment has already been rendered and you are receiving a garnishment notice, it is probably only one of several attempts that could be made to enforce the judgment.