My paycheck is being garnished for $11000 for a car loan i got 19 years ago after a year I gave the car back I work part time I have 3 kids how can i afford bankuprcy???
A few things to try:
- Call nearby law schools and see if they have a law clinic that can help you
- Call the local and state bar associations and ask if they can help you find a pro bono attorney
- Call the bankruptcy court and ask if they have a program through which a bankruptcy attorney can help you for free
If none of the above gets you the help you need, you can file a case yourself. It is very risky, and I don't recommend it unless you have no other choice. But, if you cannot get free help and you really cannot afford to pay a qualified attorney, it may be the best option.
One option to avoid under any circumstances:
- Do not get involved with a "bankruptcy petition preparer." They are a worse option than doing it yourself.
You can afford a free initial consultation, I recommend you start there. An evaluation of the judgment and garnishment is a starting point, to be sure it is valid. If BK is truly the only option, there are pro bono options, and many offices are flexible in how they approach taking cases.
What creditor is garnishing you?
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