Hi, Ms. Savage, I have a medical collection that I have been trying to get rid of for quite a while. I've tried to set up payment plans that would work with my financial situation but they wanted more. Just recently the debt collector got a wage garnishment ruling against me. However I talked to a family friend who is a lawyer and found out that there was never an actual judgement placed on the case. I was then told to get a hold of a bankruptcy attorney and see what they had to offer but that didn't work out like I thought it would. I got married ten months ago and now because of that I have to include my wife's income into this mess and that makes it so I don't qualify for ch.7. I set up a court date to have the current wage garnishment vacated for the time being just to get some more time before the inevitable happens. So to make a long story slightly shorter how can I get the debt collector to work with me and not take almost one quarter of my monthly wages? I appreciate the help, thank you in advance.

Terry Says:

OMG — you are in the worst possible situation!  And you were REALLY unfair to your wife to marry her and destroy her credit, too!  I can only suggest calling the National Foundation for Credit Counseling at 800-388-2227.  That will connect you to the nearest office of this non-profit.  You can trust them.  They may be able to work out a deal with the attorneys, but you let this go way too far.  The lesson here is to face up to your financial problems EARLY, before they get out of hand.