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What can I do to avoid wage garnishment on a credit card judgment?

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#1
What is the name of your state? FLORIDA
My husband became chronically ill about a year and a half ago. Medications, doctor bills and hospital bills have consumed our financial life. Due to the medical expenses we had to make a hard choice to stop paying credit card bills altogether until our situation somehow changes. At that time the credit card companies were unwilling to work with us. I was just served with court papers from a credit card company seeking a judgment on a $3000 credit card debt. I intend on responding and cooperating with all court hearings. If a judgment is granted and my wages are garnished, my husbands medical needs will not be met.
What can I do to avoid wage garnishment, if any.
 


#2

quincy

Senior Member
#5
What is the name of your state? FLORIDA
My husband became chronically ill about a year and a half ago. Medications, doctor bills and hospital bills have consumed our financial life. Due to the medical expenses we had to make a hard choice to stop paying credit card bills altogether until our situation somehow changes. At that time the credit card companies were unwilling to work with us. I was just served with court papers from a credit card company seeking a judgment on a $3000 credit card debt. I intend on responding and cooperating with all court hearings. If a judgment is granted and my wages are garnished, my husbands medical needs will not be met.
What can I do to avoid wage garnishment, if any.
Adjusterjack provided you with good information should a judgment be entered against you - but you might want to try to avoid a judgment.

You can try negotiating pretrial with the creditor to get a payment that is low enough to keep you from a judgment. If you let the creditor know you are considering bankruptcy due to medical debt, this might make them more willing to negotiate. A bankruptcy can wipe out the credit card debt entirely and the creditor knows he then will receive nothing.

There is a "sticky note" at the top of this forum on negotiating. It was written by a former debt collector who is now an attorney. It has some good tips.

Medical debts continue to be the major reason why people file for bankruptcy. The timing of a bankruptcy can be important, though, especially if medical bills are expected to be an ongoing expense.

Good luck.
 
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