Judgement granted- Now they want to interview me

[Lexy1969]

So should I send my direct deposit to my NC credit union savings account or just have my company send me a check? I dont have a local bank to cash it though?

[treehugger1]

Let's see. You live in Arizona, but have a savings account in North Carolina. I'm assuming the "local" collection efforts are in Arizona. In my mind, you keep your paycheck close to you. If you are asked by the court to respond to a debtor examination, you will have to give up the NC account to them. Lying under oath is never a good idea. If you can have your check sent to you, you might find a local check-cashing place that will cash your check for their usual astronomical fees. Since the creditor/collector already has a judgment, it is only a matter of time before they find your employer and get a writ to garnish your wages and any bank accounts. I would suggest you use a few "free" initial consultaions with BK atorneys to figure out your options. Local attorneys will know far more about what to expect in your district than others outside of your district. If you are planning to file, you migth even find an attorney who can hold off collection efforts until you can afford to file.

[CityGirl]

Thanks for the help. I will talk to a lawyer on Tuesday. One more question. I have a bank account in North Carolina at a credit union. Just a savings account. Should I move my direct deposit to that? As for garnishment. Its 25% in Arizona. Is that total that all garnishments can be? What if someone else comes in to garnish my wages and someone is already getting 25%?

Lexi, when you file chap 7, the automatic stay goes into affect. Get it done NOW to avoid garnishment!!

[freshstart06]

CityGirl is right, you need to file asap, that is one of the reasons we did.