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Would it be wise to remove her name from our checking account if it gets to a point that they have a judgement against us? We have tried, unsuccessfully to offer what we are able to pay every month...

These loans were procured before our marriage.

A company we have never heard of before is threatening to garnish my spouses wages because we can not pay what they are asking us to pay. My wife is currently a stay-at-home mom and has no income. ...