I’m a College Student Trying to Get My Degree But I Just Got a Judgment Against Me. – Sam


“Dear Steve,

I am a college student trying to get my bachelors degree. I currently dont have a job but am looking for one. The other day I got a judgement sent to me through the mail, telling me that they are trying to garnish my wages.

I currently do not have a job, but in the next month or so, I am able to obtain a job, will they be able to garnish my wages. I also try to contact them to see if I could make a payment plan with them, and they said that they wouldn’t be able to do that. These people are very hard to work with, can you give me any advice.


Dear Sam,

If this issue is already the judgment stage then you previously got sued for the debt and lost. The creditor then went back to court and received permission to garnish your wages.

This issue really isn’t about garnishment, it is about a long and lingering debt that has gone unaddressed for far too long.

With the wage garnishment in hand, your wages will be garnished at some point and there isn’t much of an advantage for the creditor to now take your word or payment plan from you since they have court permission to take money directly from your employer instead of you getting it.

If you want to stop this, go talk to a bankruptcy attorney.


Steve Rhode
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