We have a credit card that is getting ready to be sent to collections. Only because we absolutely cannot afford it. We are a family of 4 making 9/hr. We are on different types of government assistance. I know this is every ones story. Its sad. We can barely afford the necessities. The balance is about 4,000 now that late charges have taken place.
I know its my responsibility. What do you think will happen next? Can they garnish our wages and leave us with nothing? The only thing we actually own is a car, which already has a car loan on it.|||if they sue go to court. in my state if you qualify for assistance they cant garnish. also 9/hr for family of 4 is under poverty level. if its an unsecured card they cant take your car or other property. if they get a judgment they will wait until your situation improves and then nail you with wage garnishment etc.|||Collections will start calling you.
Send them a certified letter (once they start calling you), requesting that they stop all calls to your home and office.
Once they summons you to court, show up. Ask for them to take only 10% of your wages out of your paycheck. If you don't show up some states allow up to 25% to be garnished. /
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