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    Garnishment

    I stopped paying cc in Sept.09, just received two letters from collection agencies. I plan on sending them DV letters.

    I plan on filing chapter seven in approx. two months. ( March 2010 ).
    Sholud I be worried about garnishment of my paycheck or my bank account being tapped into by creditors at this point ?

    Any advice appreciated, Thanks.

    #2
    You don't have any worries about just a letter. You should be able to stall them for a couple of months before they file suit.
    All information contained in this post is for informational and amusement purposes only.
    Bankruptcy is a process, not an event.......

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      #3
      you will be fine. I stopped paying 25 CC's last feb. and just filed BK saturday.
      Stopped Paying CC's 2/2009. Retained Attorney 1/10/2010 Filed 1/23/2010. Discharged 5/19/10 $187K CC, $240K 2nd,$417K 1st, No asset Ch-7

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        #4
        Albacore44: Just wondering what was the largest amount you owed to anyone card. Are you saying you went a year without being sued?

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          #5
          I too have been delinquent for more than a year, no suits, just lots of wasted trees.

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            #6
            My husband went about 14 months without being sued. Then, right before we filed; we were by Capital One (for almost $2000) and Beneficial (for almost $16,000).
            Filed Ch7: December 02, 2009
            341 Meeting: January 06, 2010

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              #7
              Originally posted by DYLAN150 View Post
              Albacore44: Just wondering what was the largest amount you owed to anyone card. Are you saying you went a year without being sued?
              $15K + all the extra ripoff fees
              Stopped Paying CC's 2/2009. Retained Attorney 1/10/2010 Filed 1/23/2010. Discharged 5/19/10 $187K CC, $240K 2nd,$417K 1st, No asset Ch-7

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