[bubbles369]

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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[ScottGem]

First its too late for a hearing. If they froze your bank account they already received a judgement. Though that seems kind of quick if you only stopped paying 2 months ago.

I think you need to nail down what exactly has happened here before we can help.

[Fr_Chuck]

Sounds like the payment agreement wa some type of summary judgement, because unless they already had a judgement they can not freeze you money. So there is nothing I believe you do at this point but let them get the money