Your question indicates that you know you need help. That is important. If you are behind on credit card payments, then you are doing the right thing by being proactive and trying to deal with the problem before your wages are garnished.
There are several ways in which credit card debt may be handled. For example, you may be able to file bankruptcy and avoid a wage garnishment. Alternatively, you may be able to work out an agreement with the credit card company that prevents both bankruptcy and wage garnishment.
In order to understand your rights and to make the decisions that are best for you and your family, it is important to speak with an experienced lawyer. The lawyers at Rosenzweig Law Office have experience with both wage garnishment and bankruptcy. You can speak with a St. Paul wage garnishment lawyer and a St. Paul bankruptcy attorney at the same time and get advice on both options.
What you decide to do will depend on your personal preferences, your future goals, the amount that you owe, your income, and your assets. Together you and your St. Paul wage garnishment attorney will decide how best to protect your future.
For more information, please contact the experienced Minneapolis St. Paul debt lawyers of the Rosenzweig Law Office at 952.388.2942 or 800.619.8991. We also invite you to read our FREE book: What You Need to Know About Filing Bankruptcy in Minnesota.