Judgement Question

Speaking with a bankruptcy attorney is a good idea. Depending on the amount and types of debts that you have, bankruptcy may be an option. I think you should also speak with a local consumer attorney about the garnishments. I cannot give you specific advice because I do not practice in NY but most states limit the amount of income that is subject to garnishment. If your situation is as tight as you relate, you may qualify for a reduction or avoid garnishment altogether. Many attorneys offer free or low cost consultations. There are also legal aid and public interest law groups that often assist consumers. Check in the phone book to gee if there are any such available services in your area. You may also want to call your state or county bar associations to see if they have attorneys who can give you some guidance in this area. In most cases an attorney can help.