Bankruptcy question on written off credit card debt and collection agency?
Have to file bankruptcy. Been out of work for 6 months. Two credit cards have been written off but amount, I guess, has been turned over to a collection agency. When I file for bankruptcy do I just list the bank or just the collection agency? Can the collection agency garnish my wages if I obtain employment? Thanks.
If you are filing bankruptcy, give your attorney all bills and demands for payment from any and all sources. Your attorney will sort them out. Laws vary from state to state. In Texas, no one can garnishee your wages except for child support or federal taxes.
List them both.
Filing for bankruptcy will stop any judgements to garnish your wages.