I get $1,480/month Social Security and $675/pension. I have no savings. Can a creditor freeze my bank accounts for payment?

A judgment creditor can freeze your bank account. Bankruptcy stops most levies and discharges most debt. You are doing the right thing by being...

What is the law in Calif concerning the amount of interest that can be charged by a collection agency on a four year old debt?

Your score may be negatively impacted due to a defaulted account being reported. Owing a little more each time does not help either. A lot of...

Can they have Wage garnishment when I was never sued for in the beginning?

There is likely a judgment against you. For a wage garnishment to take place, there usually has to be a judgment. You can search your county...

Subrogation claim against me.

Because you do not have a lot of income and your debt to income ratio is high, you may want to consider bankruptcy. Bankruptcy will get rid of your...

A 401k loan is usually money you are borrowing against your own retirement account. A discharge in bankruptcy does not really do anything for you...

How can I pay credit card debt that I owe if I am unemployed?

Bankruptcy may be the best option for you. Bankruptcy discharges most debts and prevents most creditors from garnishing your wages or levying your...

I agree with the prior answers given. For some the best way to handle this is to file a bankruptcy. Bankruptcy discharges most debt and prevents...

Whether you signed any papers does not determine whether a lawsuit can or cannot be filed against you. If there is some sort of garnishment then...

How will I receive my wages back? Will a check be mailed to me or will my employer cut me a check ?

I have seen this take 4-6 weeks. It has to go through the proper channels before the check is cut. If they said a check was approved then it is...

What can I do about debt (repossession )that is 13 years old

If you are unable to pay the debt back and want a fresh start then you may want to consider your bankruptcy options. Bankruptcy wipes away most...