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need cheering up and some idea's of what i should do husbands ck getting garnish 25% a wk of what he makes from a crediter

need help. last wk got info in the mail saying that my husband ck was going to get garnish 25% of what he makes starting from now up to 13wks from now. we did not think they would do it already this wk . called the bank to see what ck was for & found out it was 166 short what i figured called hubby at work & he look up his ck on computer & found out they garnished 166 they will do this until the dedt is paid in full of 800.00. husband work extra hr's for christmas gifts for the kids so i could get this wk. now i can not do that a& rent is due on the 1st and i do not know how i am going to get gifts for my children plus how i am going to pay rent becasue of the garnishment called my lawyer who i am filing chapter 7 with and she said they can not do any thing for 3wks that is how long it takes to file every thing. i feel so bad. why did they have to garnish over x-mas. what am i going to do can not get help makes to much.

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Anonymous

Asked by Anonymous at 3:01 PM on Dec. 16, 2009 in Money & Work

Answers (10)
  • I dont know what to tell you to do...If I were in your shoes I would go to the dollar store and buy cheap,how old are your kids?As far as rent,maybe talk with your landlord,maybe start babysitting on the side for extra money.For gifts also maybe some homemade gifts would be a good idea.How long did you know about this creditor,normally they work with you.
    Nattiesmom9603

    Answer by Nattiesmom9603 at 3:15 PM on Dec. 16, 2009

  • my children are 3 daughter and 7 son. i live way out in the country & there are no kids around by me i live 8 miles from town and do not think would have any people that would want me to take care of there children would love to do it. knew about this crediter for awhile & told them i was filing for bankrupcy never said they would do any type of garnishment at all to me. i just got it in the mail last thursday and it already happen this wk. know 800 is a lot of money but why can'nt they go after someone that really owes and why wait till a wk before x-mas. my lawyer said we will get some of the moeny back but it will take awhile. wanted to get a job but i knew if i did they would take my ck that is why i did not even try to look for one. i never knew they would go after my husband. he does not even have his name on any thing the crediter is hsbc. i hate to tell our landlord our problems & he counts on our money every mo
    Anonymous

    Answer by Anonymous at 3:34 PM on Dec. 16, 2009

  • Here are some suggestions for saving money: Make at least some of your own cleaning products. This has the added bonus of bringing fewer toxins into your home. This is what we use for most cleaning (initially used as part of my daughter's 6th grade science fair project). It is cheap (my favorite) and non toxic.
    ¼ cup white vinegar
    ¾ cup warm tap water
    1 tablespoon baking soda
    10 drops of tea tree oil (antibacterial, antifungal, etc.)
    2 drops oil of lavender essential oil (antiseptic and smells nice)

    Stop buying paper towels and napkins. Cloth napkins are more fun! Pick up cheap cotton towels at your favorite second hand shop. Save money and trees!!

    Past the age of 2, the only beverage that humans need is water. Stop buying juice and sodas; buy milks only for cooking and cereal. You can liven up water with slices of fruits and vegetables; make ice cubes with blueberry eyeballs for the kids.

    cont.
    rkoloms

    Answer by rkoloms at 3:51 PM on Dec. 16, 2009

  • Replace meats with beans, lentils, tofu, seitan, etc. You can save even more money by using dried beans and lentils and making your own seitan.

    Cook from scratch! Home cooked foods taste so much better than the nasty boxed stuff, and you will feel better because you are eating healthier foods.

    Replace simple grains (white flour, white rice, white pasta, etc.) with whole grains (brown rice, whole wheat pasta, whole grain breads, etc.). While whole grains may cost more, they have more nutrition and are more filling, so they really are the better value.

    Frozen fruits and vegetables have a longer shelf life than fresh and retain their nutrition longer; they are often a better, less expensive option than fresh.


    cont.
    rkoloms

    Answer by rkoloms at 3:52 PM on Dec. 16, 2009

  • Once or twice a week have breakfast for dinner. Popular options at my house are: yogurt parfaits with frozen berries and whole grain cereal; veggies omelettes with a bit of cheese and whole grain toast; whole grain pancakes with fruit.

    Instead of baking a whole batch of cookies, make and freeze cookie dough balls. No one will be tempted to sneak a cookie(you know who you are) and when you do have cookies they will be fresh baked.

    Only go to the grocery store every 8 days. Before you shop, plan all of your meals and snacks for the next 8 days. Write your list, based on what you need to complete your meal plan. Pull any necessary coupons, eat before you go (never go to the grocery store hungry). Most important, buy only what is on your list. The specials at the store are not to save you money, they are to get you to buy items that you don't need. If you won't use it in 3 week, don't buy it!
    rkoloms

    Answer by rkoloms at 3:52 PM on Dec. 16, 2009

  • Call whomever garnished his wages and tell them that you simply cannot live on 25% of his pay check. If possible have a copy of your budget ready to fax- maybe even bill statements etc. You're going to have to cut your expenses one way or another, but 25% is a bit much.

    Keep in mind that if they only take say 10% from every pay check, you're wages will be garnished for a longer period of time.

    Anyway for Christmas- sell stuff on ebay and/or Craigslist.
    You and your husband might be able to sell plasma. Here a single person can make $55 a week. So if you and your hsuband sell that's $110 in just this week.
    Make home made gifts
    Go to 2nd hand stores

    GOOD LUCK
    Anonymous

    Answer by Anonymous at 4:10 PM on Dec. 16, 2009

  • do you think it will help if i call them and tell them we can not keep up with our monthy house utilites when they are taking 25%. i tried already giving plasma but every time i go in there my pulse is to high and they will not let me give and my hubby is type 2 diabeties and they will not let him give becasue somthing in his doc file is to high. in the summer time i get all of my kids clothes and once a month i go the salvation army to get food and 2 times a month i go to a food pantry to get food. i try to cut back as much as i can on every thing. my place on my truck have expired and i can not get them renewed no money. hubby was working all this over time to give us a nice x-mas and try to get ahead. usally he does not get overtime so he was getting as much as he could right now before it gets slow again then he only brings home after tax 300 a wk and that is with claiming 8 on fed and state.
    Anonymous

    Answer by Anonymous at 4:20 PM on Dec. 16, 2009

  • Yeah I think they would be willing to cut it back if you honestly can't pay them 25%. That's a huge chunk of money for any family.
    Anonymous

    Answer by Anonymous at 6:10 PM on Dec. 16, 2009

  • i took both of you two's edvice. they said they would stop the garnishment if i could 700. when they would receive that they would clear the dedt other wise no they said they can not take a lesser percentage. said to them how am i going to pay the rent & the monthly untilites. they said it is not there problem. then i started to cry. i do not have any place at all were i can get the money from. no relitives or any thing. they could of just did this after christmas. now i can not even give my children a christmas i just hope i can come up with the moeny to pay the rent. we live right next to the landlord. i just do not know were to go from here. the more money my husband makes the more they take. plus the worse thing about this is that we went to one of those payday loan places becasue my husbands truck broke down that he takes back and fourth to work that cost us 275so now we have to pay back 335.we did not have no were to go
    Anonymous

    Answer by Anonymous at 7:19 PM on Dec. 16, 2009

  • I think you have done the best you could...I do suggest credit counseling in the future as that will help y our get your finances in order.What is your budget like?Is it possible after you pay all this down you can start putting money away for situations like this?Maybe you or your dh can get an extra job like on weekends or something...I know daycare costs are outrageous,but if there is some extra coming in you could prepare for situations like this.Good luck.
    Nattiesmom9603

    Answer by Nattiesmom9603 at 9:15 PM on Dec. 16, 2009

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