“Dear Steve,
I am in desperate need of help immediately. I have mountain of debt and am being garnished. With the garnishments I can’t pay off the debts or file bankruptcy because I am only left with barely enough to live on.
Also, I have severe bipolar disorder. I got most of my debts when I “blacked out” in a manic state and spent and didn’t know until later that I went on a spree. I am on the right medications now after three failed suicide attempts.
However, I cannot afford to file bankruptcy and then make payments on a consolidated debt plan (I’ve been told that is the only bankruptcy I qualify for) or get any help when I have such heavy garnishments and I feel this is leading me to realizing that suicide is my only way because I cannot get help anywhere.
I know I am responsible for my debts and want to file bankruptcy, but if I had been on medications and not been mentally ill then these debts would never have been incurred. Is there any help for me? I would appreciate any advice it is very urgent.
Stacy”
The Answer:
Dear Stacy,
I’m so glad you contacted me for help. There is a solution here.
The only real way to stop the garnishment is with a bankruptcy. Before you make any assumptions about bankruptcy I implore you to click here to find a local bankruptcy attorney you like. Make an appointment and go in and talk to them.
Many bankruptcy attorneys will create a payment plan you can afford. And before you make any assumptions about if you would be in a Chapter 13 bankruptcy with a payment plan based on what you can afford, talk to the attorney.
If a payment plan was required, remember that the bankruptcy would have stopped the garnishment so you’d have funds to work with.
I completely understand the bipolar issues which led to your problem debt. It is a problem faced by many. They wake up after a manic phase to find themselves buried under a pile of debt they can’t deal with. That reality sends them further into depression and as you know, the cycle can continue.
I also understand how the desperation of the situation can make you want to do something as drastic as killing yourself, but don’t. There is a solution here, I’ll get you through this. There is absolutely no need to consider killing yourself. Trust me, with some action here the situation can get better, a whole lot better.
So your homework is to find a local bankruptcy attorney and go talk to them. Then I want you to report back and let me know the outcome of that meeting. Post your updates here in the comments section of your question.
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