Lawsuit had been file for non payment of a credit card debit. What can I do if unable to pay?
Avvo Answer: There are a number of options. Even though, they filed a lawsuit against you, you may be able to set up a payment plan with them to pay down the debt. If this is not feasible for you, you may attempt to defend against the litigation. If you lose the civil suit or if you want to avoid a future garnishment, you should IMMEDIATELY contact an experienced bankruptcy to evaluate a possible bankruptcy.
An experienced bankruptcy attorney will be able to provide you information on how long the litigation process will take before the creditor will be able to garnish your wages, or bank accounts informed by both the civil procedure in Illinois for civil suits as well as from general experience.
Based upon your level of income, the kinds of assets you have, and the amount of debt that you have, an experienced bankruptcy attorney will be able to explain to you whether bankruptcy is the right path.
I cannot emphasize enough how important it is for you to speak with an attorney in your state to discuss your options.
* You and I do not have an attorney-client relationship formed by our communications on this website. Advice given by me on this website is general advice based on partial information. You should not rely on any advice given without first hiring a lawyer in the area where the case is pending, and providing that lawyer with full information.
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Re-Posted from AVVO Legal Questions and Answers.