I have my bank account garnished from a judgement against me in 2003. I filed an exemption based on the fact that I am currently unemployment and in school. A court date is scheduled in June. However, I am worried since I don't know what to take to court. A few attorneys have advised me to go for bankruptcy which I don't want. I tried to explain my situation to the creditor but they want to have my account first before talking to me. Any advice?

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Originally Posted by irokotree

I have my bank account garnished from a judgement against me in 2003. I filed an exemption based on the fact that i am currently unemployment and in school. A court date is scheduled in June. However, i am worried since i don't know what to take to court. A few attorneys have advised me to go for bankruptcy which i don't want. I tried to explain my situation to the creditor but they want to have my account first before talking to me. Any advice?

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Please ask each question once.

You take evidence which shows your financial position - Unemployment award letter, bank statements, a record of college expenses.

Not the least bit unusual for the creditor to want proof before making an arrangement - people lie.