I am unemployed, a stay-at-home mom, but my husband works. We are 2 months behind on loan payments to Citifinancial. (About 7-8 months behind to all other creditors, but i *was* keeping up with Citifinancial until just recently). Well they are starting to call family members. So today I gave them a call and tried to buy some time. They said they would be forced to take legal action on March 1st since we are already 2 months' behind ($700) and that would mean garnishing my husband's paychecks. Louisiana is a community property state so I guess they are entitled to do this but there would be a process to go through first right? For now they agreed to take $75to get them off my back, and will allow me to apply for a deferment so we won't be due until April. Hoping we have an attorney retained by then and we can start the BK.
No one has ever mentioned garnishing my husband's paychecks before. Of course, I ignore most phone calls from CA's. But really, doesn't it take them some time before they are able to start garnishing? I'm starting to wonder if some of the other creditors will go this route and it's a bit scary. His paychecks are barely enough to cover the mortgage, insurance, utilties, groceries, and gas.
No one has ever mentioned garnishing my husband's paychecks before. Of course, I ignore most phone calls from CA's. But really, doesn't it take them some time before they are able to start garnishing? I'm starting to wonder if some of the other creditors will go this route and it's a bit scary. His paychecks are barely enough to cover the mortgage, insurance, utilties, groceries, and gas.
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