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- Option 1: Avoid getting into debt - Option 2: Pay your bills on time - Option 3: File Bankruptcy If you haven't taken option 1 or option 2 and you start ge

• Zikes 12y ago
  You know how much it costs per hour to talk to someone about option 3? Even trying to prove how broke you are costs a lot of money.
  • reverend_gonzo 12y ago
    Bankruptcy attorneys generally charge a fixed rate, and there are pretty stringent laws about what they can and can't charge. Furthermore, the lawyer will do all further dealings with your creditors to get the amount owed cut down. If you're in the position where you can't pay your bills, you absolutely need to talk to an attorney.
• bitJericho 12y ago
  Option 4: Don't fight the wage garnishment It's happened to me with an old student loan. I didn't fight it, they took some of my paycheck, the debt was gone in no time and everybody was happy.
• danielweber 12y ago
  Option 3 works unless it's a debt to the government, like student loans or tax debt.