Help Debts

Posts Tagged ‘should i file for bankruptcy’

I’m in a substantial amount of debt… Hospital and doctor bill mostly. No credit card debt. Plus, daily living expenses with an infant!!! Problem is — I am being hounded by bill collectors and one debt is about to be turned over to an attorney for collection. I feel certain that this could end in wage garnishment. We don’t have the money to make ends meet — let alone have any part of my wages garnished. I’ve tried making arrangements but we just can’t make the payments no matter how minimal. Should I file for bankruptcy? How can I avoid getting my wages garnished? I have no problem with paying the bills if I just had the money.

I have 3 unpaid debts on my credit report from 2003. The debts total almost 10 grand. I am disabled and unable to pay them. Should I file for bankruptcy or will they fall off my report after 7 years? (next year being the seventh year)