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I live in California. I retained a bankruptcy law office to file BK, Chapter 13. However, after looking at my info, they suggested debt settlement. They were working on only ONE 3rd party creditor and had only begun the process. I sent them documents needed: paystub, letter of hardship (my husband has MS) and a bank statement. She said they received and were waiting to hear back. I sent an email with some questions, but didn't hear back. I assumed she was still waiting for word. Come to find out, this woman had gone out on maternity leave, and dropped the ball entirely. 6 weeks later, they started wage garnishment - they are taking almost 1/3 of my pay. What kind of recourse do I have for this complete negligence?