We file a Chapter 7 back in 2007, we have a substantial amount of debt again due to unemployment and other money struggles. We recently received a Certified Letter with a Summons from a credit card, is it too late to do anything to avoid wage garnishment for that one? There are about 8 more credit cards that are very delinquent, Can we file for a Chapter 13 already or is it too early? How many creditors can garnish your wages at once? If Chapter 13 is out of the question are there any legit debt consolidations that you can recommend?
