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lawsuits, judgments, & garnishments

The end result of an unpaid bill is frequently a lawsuit.  The victorious creditor will get a judgment against you, which will allow him to garnish your wages or put a lien on something of value that you own, so that he will get repaid as quickly as possible, regardless of the consequences to you and your family at that point in time.  Here are some examples of how TBC has stopped lawsuits and garnishments for its clients, and helped them to eliminate the debts they could not afford, or to repay them at an affordable rate.  Their names have been changed, but their situations were absolutely real.

Martin's Story
Mike's Story
Alice's Story
Ashley's Story

Martin’s Problem:
Martin is a contractor, who got sued in state court by an unhappy customer. The customer hired an attorney to represent him, but Martin didn’t have the money for an attorney, so he appeared in Court without one. The Judge entered a judgment against Martin, requiring him to pay $175,000.00.

TBC’s Solution:
Martin came to TBC to find out about his options. We were able to file a Chapter 7 bankruptcy for him. The customer once again hired an attorney, but the $175,000.00 debt was wiped out by the bankruptcy.

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Mike’s Problem:
Mike was sued by a creditor, and had a judgment lien put against his property. Altogether, he was facing $51,000 in debt. At the same time, he was expecting $3000 in proceeds from an insurance company, which he wanted to use for home repairs.

TBC’s Solution:
Mike’s TBC attorney reviewed his complete financial situation and then presented Mike with his options. He could file a Chapter 7 to get rid of the lien, but he would not be able to keep his insurance proceeds. Or he could file a Chapter 13 and keep the $3000 in insurance money; however the extra attorney’s fees alone for the Chapter 13 case would be $2500, and the case be ongoing for a much longer period of time. The client opted for the Chapter 7, discharging $51,000 in debt for $4348.00 -- $1348 in court costs and attorney’s fees, and the $3000 he had to turn over to the Trustee, who used this money to send partial repayment to his creditors.

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Alice’s Problem:
Alice fell behind on a couple of her bills, and as a result had garnishments coming out of her check. With less take-home pay, Alice fell into a downward spiral of getting farther behind on more and more bills, including her car payment and some pay day loans. The car she needed to get to work was about to be repossessed.

TBC’s Solution:
Her TBC attorney was able to file a Chapter 13 for Alice, to stop the garnishments being taken from her check, and to prevent her car from being repossessed. Alice paid $325 to get her Chapter 13 filed. Her plan payment of $170 per month was half of her previous car payment, and allowed her to catch up on all of her bills over the course of the Chapter 13.

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Ashley’s Problem:
Ashley was a single mother who was proud of working very hard to pay all of her bills, keep her mortgage current, and provide for her family.  Over the summer, however, her hours were cut and her wages decreased.  She got behind on her bills.  When she came to TBC, her wages were being garnished, her family’s electricity was about to get shut off, and she was so stressed she was unable to sleep.

TBC’s Solution:
Ashley left her TBC consultation with the peace of mind that came from knowing there was a workable solution to her financial problems.  She filed a Chapter 13 plan through TBC.  A plan payment of just $120 per month for three years stopped her wage garnishment and prevented her utilities from being shut off.  Her paycheck and her family’s home were protected from her creditors, she was no longer being harassed by them, and she could once again sleep at night. 

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