“Dear Steve,
I have an outstanding debt of 3500.00 to discovery card. they won a judgment against me in 2003 but i was living out of state and was never served. now they are going to garnish my wages. i just found out about this today and there is no way i can afford this. please help.
thank you.
Steve”
Dear Steve,
You have three logical choices. The first would be to attempt and negotiate a repayment plan you can afford.
First, you can consult with a local attorney to make sure the creditor had the right to sue you and win a garnishment after so long.
Second, you can attempt to negotiate a mutually acceptable repayment plan with the creditor to avoid the garnishment.
Third, you can click here to find a local bankruptcy attorney and talk to them about discharging the old debt with bankruptcy and effectively kill the garnishment.
Please post your responses and follow-up messages to me on this in the comments section below.
Big Hug! 
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