Credit card debt accumulated when I was married. After separation I was making payments eventually falling behind and here we are... divorce is finalized.
If a creditor has a wage garnishment on you then they have obtained judgment and you have continued to fail to pay. You can try to work out a settlement agreement with the creditor's attorney or you will continue to get garnished.
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You really need to retain an experienced IL bankruptcy attorney and soon. Depending on your overall financial situation, Bankruptcy may be right for you. An experienced IL 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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You should consult with a local bankruptcy attorney to see if you qualify for a Ch7 or a ch13. Either chapter could benefit you but whether a 7 is possible or a 13 would be required can best be determined through an in person consultation. Most bankruptcy attorneys offer free initial consultations.
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