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so i am dealing with a collections agency on a credit card bill for about $8500. i have been paying them $40/month for the last 6 months. i got a call from them a couple days ago and she totalllllly went off on me saying i need a second job, i need to pay more money, i need to move somewhere so i can get a better job, they WANT more money!! ok..first off...im a single mom, my daughter and i live with my parents, i pay 200/month for rent....i sure as hell ain't gonna find rent cheaper than that anywhere!! second, i already have 2 jobs (one is a paper route, so its only 85/month), so yes they are both part time, but..still..im trying!! anyways...she was yelling at me the whole time, not letting me say anything! she then continues to say fine, stop paying, we're just gonna garnish your wages and will automatically be taking 30% off every paycheque, and then she hung up on me.......my paychecks are only about $350, every 2 weeks...350-30% is something like $245..i pay 100 each paycheck for rent, so that brings me down to 145....i still have groceries, and a couple other bills to pay......can they really do this to me?? i'm not looking for pitty, i know i screwed up big time, i got myself into this mess...but really..how can they garnish 30% of every paycheck when i barely make enuff to support my daughter and i now...we're gonna end up on the streets!! would filing for bankruptcy be a better option?? (i also have another $10,000 in debt that i deal with too, ontop of this 8500..)
i just dont know what to do. i feel like theres nothing i can do!!
Asked by Anonymous at 10:55 PM on Jun. 14, 2012 in Money & Work
Answer by virginiamama71 at 11:00 PM on Jun. 14, 2012
Answer by virginiamama71 at 11:11 PM on Jun. 14, 2012
Answer by Mrs_Harsh at 11:18 PM on Jun. 14, 2012
Answer by louise2 at 11:37 PM on Jun. 14, 2012
Answer by luvmygrandbaby at 11:53 PM on Jun. 14, 2012
Answer by luvmygrlz at 12:07 AM on Jun. 15, 2012
Answer by SleepingBeautee at 12:11 AM on Jun. 15, 2012
Answer by luvmygrandbaby at 12:30 AM on Jun. 15, 2012