My Wife is Sick and I Can Barely Pay The Regular Bills. – Joe

“Dear Steve,

I owe credit card companies for about $45.000.

My wife is sick(can’t work and can’t get disability). What I make barely enough to pay my regular bills(power, water etc.).I was paying them always on time, but my situation is out of hands now with their interest rates and stuff.

Can they garnish my wages in Florida? If they can do how much they allowed?


Dear Joe,

The issue here is not if you can get sued by your creditors, lose and get a wage garnishment. You don’t need to wait until the creditors do stuff to you to take care of this situation, you need to try to get in front of this first. I suggest that you talk to a local bankruptcy attorney to stop all collection activity and avoid getting a judgment and wage garnishment to begin with.

If you are looking for a free bankruptcy attorney, check the listing at the American bankruptcy institute for a pro-bono bankruptcy lawyer.

This situation is not going to repair itself. You will either need to take action to address your financial situation or wait till action is taken against you. Don’t wait.


You are not alone. I'm here to help. There is no need to suffer in silence. We can get through this. Tomorrow can be better than today. Don't give up.

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Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.
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