can you file bankruptcy on a judgement?
Date: Wed, 01/13/2010 - 09:42
My husband has a job and his check is garnished for child support.I am self employed.We are both struggling financialy and have not been able to pay our credit card bills for a very long time.We have never filed for bankruptcy and are planning to in the next year.I have read a lot of stuff online that said a collection agency will dig into your personal information and see if you have a garnishment on your paycheck,are self employed ect and decide if they feel they will be able to get their money out of you if they take you to court. Is this true and if so since my husband already has a garnishment and I am self employed will that mean it is likely he won't be sued? Also if we do get summoned to court i read that we can file bankruptcy before the court date and stop the case before it goes to court.If someone does get a judgement against one of us before we file bankruptcy can you include that judgement in your bankruptcy? We also have a joint checking account and all our debts are seperate.Does this mean they can't garnish out checking account? One more question, can a prepaid debit card be garnished?
Bankruptcy stops judgements, they should be include in the bankr
Bankruptcy stops judgements, they should be include in the bankruptcy. Joint checking accounts are not safe from garnishments-unless the spouse is on SS, disability, unemployment, etc. And yes they will nose around in your business. If you cant afford to lose anything from your paycheck, your best bet is to file bankrupt. It stops the creditors cold. For some of us, this was the only choice to survival-bankruptcy-either that or live on the streets