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hey guys i am new to this community hope i will earn money here that can help me pay off debts...

I get SS and a State Retirement can they garnish these if I don't pay my credit cards?

I went to my bank today to withdraw money and cash a check.The teller told me there was a hold on my acct. I have a good amt in there(just recieved tax return) a creditor put the hold for the entire amt.Part of that money was tax return,yesterdays paycheck and a portion was a social security disability deposit i recieve instead of childsupport from my childrens father.....I just need some suggestions where to go from here.It left me completley broke. i thought they couldnt touch savings only if there was a checking acct.

Is a state retirement considered the same as socail security benefits, in that it cannot be garnished?

Hi Jaeden,

I believe it's better to pay off the due. But as you have very less money, you should better talk to the bank about your problem and get into a settlement with them. However, before you contact the bank, jot down your income and expenditure details. You may need to show that to the bank.

Hi Cuchicuchi

Yes, you can file chapter 7 after forclosure. You may have to lose your home no matter what but this will still give you some time to negotiate with your lender - say 2-3 months time. You may also utilize the time to save up some money.

Is there a quick and easy way for you to find out what you owe to what creditors?

I have some creditors out there I own money and am doing pretty good on making payments on and keeping things under control but their are those few that are out there somewhere that I just cant remember who to pay too and who they are. I just remember that I do money here and there.

Is there a simple way to consolidate all your bills down to one payment a month?

Thank you for your advice to a half idiot! ;D

Hello, dear colleagues.
I liked your forum www.creditmagic.org and it wanted to me to leave a positive response about a forum, but has not found suitable section! let's open new section: responses and offers that visitors could leave the offers and responses on your forum.
Yours faithfully, Anatoly.

Hi There Just wanted to Stop in to say hellogreetings! and also to introduce myself here! The Boards look quite interesting and i cant wait to become a member of the community!

I received summons two days ago...I am confused if I should file a response to the court or send a settlement offer letter to the CA.

Should I send a settlement letter to the CA ASAP? will this stop the lawsuit? It took them forever to response to my DV request letter. I am just worried that my settlement letter won't be responded before my summons reponse due date.