My husband and I are facing a serious situation. First of all, we are in South Carolina, where garnishment of wages is not available to creditors.
Because of some bad decisions, medical problems, and loss of income, our debt finally got the best of us last Fall. We no longer have enough after our house payment, car payment, student loans, and living expenses to meet our unsecured debt payments. We have approximately $250 to apply to minimum payments that are roughly $1000. We were paying all the minimums totaling $1000 and then using the credit cards to meet our living expenses.