Legal Question in Credit and Debt Law in California

I'd advise that you take a look at the big picture: how much debt do you have in total? Can you afford to suffer a garnishment of wages (25%)? If you have no way out of your indebtedness, bankruptcy can be a powerful and often swift resolution.

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.