Legal Question in Credit and Debt Law in New York
I financed a car got I reposed and now am be brought to court for the debt I owe. It's around 8,000. I don't have the money to pay it and I do to make enough money for them to garnish my wages, I work 32 hours a week make 9.20 a hoe. I also am I single mother could provide the court proof that not that that would prob matter. So what will happen on court there is no way I can afford a payment every month. Today I got summoned the court papers and court is -0 days away, I have to work and will not be able to get off work that short notice. Will I get in trouble if I don't show up? Do u think they would do something like I give them permission to take my tax refund until it's paid off? Please answer back asap I need some good advice . Thank you, Nicole
2 Answers from Attorneys
I definitely think you should not represent yourself. If a judgment is entered then yes they can garnish your wages. I think you should consult with a debt defense and or bankruptcy attorney. Bankruptcy maybe a viable option for you. Your income and expenses may qualify for that type of relief. in that case the bankruptcy will take care of this debt and some of your other debts. but to get a more detailed explanation consult with a bankruptcy attorney in your area.
I agree with the above answer. The papers which you have, or will get, may be for establishing the judgment itself, or for enforcement of the judgment. When they find out where you work, and how much money you make, as you said, they can garnish your wages, up to 10% in many cases.
A bankruptcy, for a fraction of the cost of the judgment will eliminate that debt immediately.
If you also have other debt, this can also be eliminated.
We are financial/bankruptcy attorneys propably in your area.
Give me a call - Matthew Lazroe, Attorney at Law, 37 Franklin Street, Buffalo, New York 14202
1-716-989-0090.
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