I got items from rent a center in wv however i got in over my head an now payments are 1200 a month and 600 every two weeks, could i possibly go to jail or would it be a civil matter or could they garnish pay days even though I also get ssi? could they charge me if i have made so much payments already?
First is whether Rent-a-Center would approach this as a crime or as a civil matter. I suppose if there was a demand for return of items and they were not returned, a charge of larceny could be sought. However, I think it more likely they would go the civil lawsuit route and seek repossession and/or what money you owe. They'd have to sue and get a judgment before any garnishment of wages could occur, and any garnishment would be subject to exclusions applicable under WV law.
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This matter needs to be properly handled and is likely to be civil in nature. If you have to resort to using Rent-A-Center or an equivalent, like Aarons, there is no doubt that your financial situation is in bad shape. Depending on your overall financial situation, Bankruptcy may be right for you. An experienced WV Bankruptcy attorney will be able to determine which type of Bankruptcy, if any is the correct one for you. Use AVVO's Find a Lawyer tool to select a qualified attorney. Good luck. THIS IS NOT LEGAL ADVICE! YOU NEED TO SPEAK TO AN ATTORNEY WHO IS LICENSED IN YOUR STATE FOR LEGAL ADVICE. This is merely suggestions for you to think about in discussing your situation with the local attorney.
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