@wa3more wrote:
sorry to hear about your situation. It will get better.
You can send your creditors a cease and desist letter telling them to contact you by mail only. Original creditors do not have have to follow the FDCPA but most will abide by your letter. I don't know if I would BK on this amount and the student loan isn't dischargable.
I would stop paying on all bills at this point. Only pay for things related to four wheels and four walls. At your income level, you might have some protections. If the judgment holder tries to garnish, go to court and explain the situation to the judge, most judges will not let this happen.
If it gets too much, then use BK, but only as a last nuke option. I'll let others weight in who have maybe been in your position.
I was in similar position in 2009. It will get better, hang in there...
As a debt collector, if a creditor has a judgement against you and garnished you as long as you make over the income requirements per pay period you will get garnished up to 25% of your wages after tax. A judge won't stop this, so that information is false. You can stop paying on your loans, however just be aware they might come after you if you don't resolve the issue. If you can't live making all these payments, it might be worth you just paying your monthly requirements such as rent/utilities and talk with a BK attorney what they suggest about the rest. You most likely won't get rid of your student loans, but not having the extra stress of everything else might make it easier. Depending on how many children you have, your income limits might qualify you to get SNAP. You could speak with your local DHS office regarding if you qualify for SNAP or not, if you do it can make it somewhat easier for you to get basic living requirements such as food. There might be other resources available to you as well, which your local DHS office can assist you with. It wouldn't help with creditors, however utilities, food, daycare (if needed) they might be able to assist.
