Legal Question in Credit and Debt Law in California

Assuming you cannot suffer a 25% garnishment of your wages, and contingent upon other factors, bankruptcy can be a powerful and swift solution. Creditors do not have an incentive to accept small installments if they believe they can more effectively collect via garnishment, especially after investing in a lawsuit.

Belabored cocktail-party-conversation-as-legal-advice-clich� disclaimer: this answer as well as any information found on our Web site is not legal advice. This is strictly my opinion provided for general informational purposes and pertains to California law only; its reading does not create an attorney-client relationship. If the question was previously answered, then this answer had been scripted before other answers were posted, but got published after other answers were posted; this answer does not serve to endorse other answers. Unilateral communications may be misconstrued as they do not address all facets, nuances, and particulars, or all means of addressing a situation. We recommend you seek legal and other professional counsel before acting or refraining from action in relation to bankruptcy. It's worth the cost.

Once someone has a judgement against you, you have three choices only. 1. Pay them whatever you can talk them down to. If they won't go lower, you can't make them. 2. Let them garnish and lien until you have paid them, with interest. 3. Bankruptcy. There are no other options.