Can debt settlement help w/ wage garnishments?

I am on disability for torn ligaments in my knee.Rehabed but can't go back to work, i have a small drawer in my knee. Disability insurance finished on Dec. 31/2010. Tried retraining but too much red tape before finishing disability. Trying to find a suitable career before i lose my house.Have trouble finding work. Have requested files and will speak to lawyer for legal right. I am on the verge of bankruptcy - 42,000 + in debt. 38 years old with the first of three blocks completed for my trade which is useless now.

I sent this collection agency a letter to sy I wanted proof I owed the debt and said I wanted it within 30 days by law and it took at least 60 to 90 days and now I recieve something. Is this something I would need to respond to. Can I settle this debt and if so is there a way to figure out a settlement amount. The debt is at least two years old

Just wondering, If a senior citizen has to file for Bankruptcy, are bankruptcy attornys lenient with fees? It's kind of a catch 22. The person filing has very little disposable income but the attorney I contacted charges several thousand up front. If she had several thousand up front, she wouldn't be facing bankruptcy. This person might face foreclosure. She lives in Rockland County, NY if that helps. Any info would be greatly appreciated.

Hi, I settled my HELOC with chase in December of 2010 for less than what i owe. I owed them 150k and paid them back 49k. They mentioned during settlement that i would be receiving a 1099c for the remainder of the balance. Up to now i haven't received a copy of my 1099c. Should i be calling them? Isn't there a deadline on when i should be receiving a copy?

yes I'm the hoping some one can give me some answers for fastcash500 (address)and help me ? I'm a disabled veteran 100% I can't possibly afford this type of treatment from FC500 this was the first time I ever borrowed money on line and the last ! I only borrowed $300 and to date (6 months later) they have taken $610 from my acct . I had my CU stop allowing them into my acct, but I hear that isn't enough. Can anyone help me ???? I'm desperate.

If bank informaton changed who do I speak with o gtet it updated?

How does one stop MCM from calling my house daily for a person that does not reside at the residency nor is the phone number they are calling listed for this person. I tried to explain this on Sunday but they (MCM) hung up on me before I informed them they are calling the wrong number.

I got my first (and only) credit card in '09, it has now been charged off. I owe about $1300 on it. I'm wondering if I should even pay this since it has already been charged off? I have heard of debt validation letters, should I send one? I really have no idea what to do, but I do know my credit score is terrible and I would like to build my score. I have a car loan and student loans that I make payments to on time, so that should help my score. Any help would be appreciated.

First off, I received a PDL from 3 seperate companies ( 500FastCash, Magnum, & PAy day Max). I got the PDL about 4 months ago and i never paid back anything to these companies. Now, they keep calling me and harrass my entire day. I live in Michigan and dont know what to do. I dont mind paying back the orginal loan amount that I borrowed,but I cant do it now becuase I dont have money to spare at the moment. If anyone could give me detailed instrcutions of what to do I will appreciate it, especially on how to eliminate the phone calls. Thanks.