Credit debt. Court date soon!
Hello everyone and anyone who can help. My situation is this: I am currently being sued by a credit collection agency for $2,698 that includes $1400 of interest and fee etc. My court date is this week. I am a single mom, w/ an 18 mo old baby, working PT. My pay is between $160 & 200/wk. However $140 is takeing out a week for health insurance (I KNOW IT'S CRAZY!), which means my take home is btween $0 and $50/wk. Currently I hv $27 in my checking acct and $12 in my saving. I have a cd of $3000 however I have borrowed against to pay medical bills that insurance didn't cover from having my baby, 2 months back rent, that my ex-landlord patiently waited for 7 months after I had the baby.I've explained my situation to the lawyer and offered a pymt of $20/mo because that was what I can comfortable afford, until my medical assistance is accepted and situation improves. Of course they couldn't accept that and would see me in court. My question is can they garnish my piddle wages since sometimes I don't even get check? Can I object to the garnisnhment because I need it for basic support? If so how? Also can they garnish the cd even though I have a loan against? How should go about handling this situation in court. Because I want to pay but can't afford to pay what they want. I filed case w/ legal aid and requested that some go with me because I don't know what legal rights I have nor do understand that legal jargon. But I don't if they will come. I don't want to get screwed because I don't understand. PLEASE HELP!!