Suicide??? My friend is hurt and can't work. Bankruptcy is in the air. Can the?

Question

Can her bill collectors garnish her husband's wages? They will have no food money then or clothes and stuff. He didn't do this and he can't handle paying all of it back no matter how the budget is budgeted!! Some have suggested Consumer credit but it just won't help. They are OUT OF MONEY!!!!!! I have been talking about this for over a week. I don't see anything else for them to do? Consumer Credit is just going to make payments that they can't make. Bankruptcy has to be better than suicide that he is hollering. She can't work so don't even point the finger at her. she has had an accident and lost her arm.

Answer 1

Ok I need more info. When you say...he didnt do this. Does that mean you are saying that he didnt run it up and it was fraud?

When you say bankruptcy is in the air does that mean you filed or not??

A bill collector can garnish his wages if the bill collector sues him and gets a judgment. Can do it without a judgment. But if he has already filed BKC than the bill collector need to leave him alone.

The thing is if he didnt do it either...he needs to file a police report for stolen identity. Than send a copy of the police report to the bill collector with a written dispute letter.

If he did run up the bill and he cant afford to pay it...just file bankruptcy. Its not the end of the world??? WHO CARES??? There are bigger and badder people than you guys going BKC. Its not that big of a deal.

Its better than staying hungry. Isnt it?

Answer 2

I am sorry to hear about your friends dilemma. Many go over their spending limit now a days. Credit card's are known to be the USA biggest burden and carry high risks with them
I would recommend to find in her community following people that would help them to eliminate their debt.

1.) since they do not have any income the probably qualify for
low-income attorneys. Call your local state office for Legal Aid assistance.

2. ) Refer both partner s to some psychological counseling, to eliminate some additional stress, that comes along with being in debt.

3. ) Get a social worker involved and a financial counselor which you could find under the "Better Business Bureau."

4. ) Make sure they have all their collective bills, and anything that bill collectors sent them in a folder so that they can always access these valuable information.

5.) They are probably proud people, however they can go to Department of Work Force Services, and ask for financial assistance like food-stamps, assistance with medical bills if any.

6.) If the accident happened at her workplace they should have automatically send her to Workmans comp.

I am a retired Social Worker. So these steps I would recommend them doing. It would help if you stepped up and be the "Guidance and Enabler." so they do not feel so over whelmed.

Also Your Community Connection (YCC) is a great resource for family in distress.

Email be back, if further information is needed. Good luck!

And yes, creditors are able to garnish her husbands wages. But they can onl garnish as much as the family needs to live on income....

Answer 3

Bankruptcy will put all debts on hold and give them some breathing room to figure out their next step. Consumer credit will not help in this scenario because their problem is an indefinite loss of income as opposed to a situation where merely restructuring debt would allow them to clear their debt. Bankruptcy is their best bet especially considering the drastic tragedy which created the situation.

Answer 4

It is only money. Bill collectors cannot garnish wages without a civil judgment. In some states wages are protected against garnishment. If she has very few assets, she might be "judgment proof". And therefore, the creditors will have no way of collecting from her even if they get a civil judgment.

Answer 5

You can call the electric company and they will work with you. They will ask that you pay this much by a certain date and defer your payments just adding on a little each month. Their are programs out there that she can sign up for like disability, link card, cash assistance. If you call those people and explain she should be able to get help. Depends on where her accident was. Did she do it at work. Can she sue because of her arm??? Tell her to contact public aid and they will help that is what they are there for situations like this not for people who just don't want to work.

Answer 6

RUN, do not walk, to his homestead and verify in him. If he did commit suicide then call 911 and they are going to attempt even in the experience that they could. If no longer, tell him what you've been questioning, provide him a large hug, and convenience him.

Answer 7

Yes...bankruptcy sounds like a good option, and in this situation won't be all that painful...considering. Have your friend file for disability benefits. If there is the possibility of a law suit re: her accident --- go for it. Check out government assistance for new job training. She is now one of the "disabled" and is entitled to various benefits. She should take advantage of it.

Tell her that we wish her the best.

http://www.disabilitybenefits.com/ For information on applying for disability benefits.
http://www.uswelfare.org/definition_of_disability.html?source=Adwords for welfare programs for the disabled

Answer 8

Bankruptcy is available for a reason. It will take on average 7 years to get it off your credit, but it will get you out of your debt. Some types of debt, such as student loans for example, don't get erased. Just study it.

Answer 9

Bankruptcy is not the end of the world. From what you describe it is a option. Your friend also should look into disability through S.S.I.

Answer 10

I'm sure she could still find some type of work. If she can't what about disability? Keep hope, God won't give you a mountain you can't climb. Try bankruptcy it only goes on your credit for 7 years. Its better than killing yourself.