Jessica C Bentz’s Answers

First, identify what type of student loan this is- is it due directly to that school for classes you took from that particular school? Meaning the amount due to the school was not covered by any 3rd party source for student loans? If that is the case, you may be able to file a bankruptcy to stop the garnishment & potentially discharge the debt but depending on your agreement with the school (any docs you signed etc), that school may not be willing to give you credit for those classes and/or...

Did you file this case yourself or with the assistance of an attorney? If you currently have an attorney, this is definately something you want to address with them. I would suggest making future payments to your mortgage company by certified check or money order and keeping copies of all payments that you do send in case the mortgage company ever claims you failed to make a payment when you did (I've seen this occur frequently). If your mortgage company gets the check within a few days...

Review the contract(s) between you and the media companies you owe monies to. Did your clients sign the contracts as well? Are there any terms regarding holding them liable? The terms of those contracts (if any) will likely determine whether the media companies have a cause of action to collect against your clients. All parties you owe money to or that owe money to you should be listed properly in your bankruptcy voluntary petition so that all parties receive notice and you avoid being liable...

I would suggest contacting your Public Defender right away. I previously worked as a Prosecutor and most Public Defenders have so many clients & can easily overlook your case unless you remain dedicated and call on an everyday basis and schedule several appointments. Your public defender will most likely not take that initiative given the number of matters they are required to deal with on a regular basis. At those appointments I suggest reviewing the Police Report, if you haven't already,...