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Our Client Asked:

Dear Advice Team,

Recently I had a credit card balance turned over as an unpaid debt. The last words I had with the creditor was that whoever would attempt to collect this would have the right to garnish my wages because I am working. Is this true? Where can I go to find out exactly what my rights are? -Gerry

Gerry,

Each state sets their own laws as to what, and how, a creditor can collect on a delinquent account. Some states permit a creditor to garnish a debtor’s wages, others don't.&nbs More...

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Many bankruptcies are caused by unforeseen emergencies. In fact, the most common catalysts to payment problems are medical expenses, layoffs, divorce, and overspending.

What types of bankruptcy are available to individuals? What are the steps to filing for personal bankruptcy? How long will bankruptcy affect me? How do I get a bankruptcy counseling certificate? How do I get a bankruptcy education certificate?

The process of filing for bankruptcy can be stressful and frustrating, and the terminology used may sound foreign and unfamiliar.

Obtaining a bankruptcy counseling certificate is a prerequisite to filing for personal bankruptcy under the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005.

If you are planning to file bankruptcy and have already obtained a bankruptcy-counseling certificate, you’ll need to get a bankruptcy education certificate.

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