I fail to keep up my credit card payments settlement agreement and the creditor freeze my bank account with a Writ of Garnishment. I live in Miami, Florida and I barely covering my priorites (food and shelter). I was making my payments until 2 months ago. Ifile a Claim of Exemption under the category of Head of family wages (I provide more than ne-half of the support for a child or other dependent, have net earning of more than $500.00 per week, but have not agreed in writing to have my wages garnished) and request for hearing. My question is have do I prepare myself for the hearing without the presence of an attorney?
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