Legal Question in Credit and Debt Law in Virginia

Legal Resources for Working Poor

I am part of the working poor and in need of legal assistance. I don't qualify for Legal Aid. My wages recently were garnished by a collections law firm on a judgement obtained almost five years ago.

I went to a health club 7 years ago a couple of times and stopped. The health club sold off its charged off debts and filed bankruptcy this past summer. According to debt collector, the debt is not exempt because a judgement was already in place.

Most of my remaining debt is now student loans (which is in forebearance), some small back taxes, a single credit card, and a car payment. I was told that keeping a roof over my head and being able to get back and forth to work everyday is not considered a valid exemption before a judge if I requested a hearing.

Any suggestions or direction would be greatly appreciated.


Asked on 12/30/06, 1:18 pm

1 Answer from Attorneys
Michael Hendrickson Law Office Michael E. Hendrickson

Re: Legal Resources for Working Poor

These health club contracts are frequently troublesome.(Buyer looses interest, stops going, and then stops paying, even though he or she may be obligated for x number of months under the contract.)

Other than attempting to negotiate a lower monthly amount with the collector to pay on the outstanding judgment in order to get the garnishment released, I know of no other recourse for the situation which you've described.

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Answered on 12/31/06, 11:33 am


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