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Debt Relief

5 tips for dealing with credit card debt

If you are facing massive credit card debt, you are not alone. Millions of Americans carry balances on one or more credit cards. With high inflation raising prices on necessities and the ongoing cost of things like healthcare, it is no surprise that people throughout...

How Late Can Your Car Payment be Before it Gets Repossessed?

If you have missed car payment or two, you are probably losing sleep each night, wondering what day you are going to wake up and find your car repossessed. Every day you find your vehicle untouched feels like a reprieve. One question you might have, is when can a lender repossess your vehicle? Typically, a lender has the right to…

Can Your Spouse’s Bank Account be Garnished for Your Debt in California? 

Many married people in California have individual debt. When they fail to make payments on their debt, their creditors are entitled to take legal action to collect. One step a creditor can take is to get a judgment and levy a person’s property, including their bank account. Because California is a community property state, the creditor is permitted to levy…

Can a Disability Check be Garnished in California?

Many people in California rely on their disability benefits, either Social Security Disability Insurance (SSDI) benefits or Supplementary Security Income (SSI). This monthly income is required to pay rent, food, utilities, and other necessities. While creditors in California could garnish your regular wages, they are generally prohibited from garnishing your disability benefits. However, your benefits are subject to garnishment for…

Can Creditors Garnish Both Spouses’ Wages in California?

If you owe a debt that is only in your name, you might believe that it is solely your responsibility and not your spouse’s. If your creditor decides to sue you, your wages could be subject to a wage garnishment. However, California is a community property state. Therefore, if a creditor has a judgment against you, they can garnish your…

How Fast Can a Garnishment Be Stopped In California?

When you are behind on a bill or owe back taxes, it might not seem like a problem initially. However, once a creditor obtains a judgment and they garnish your wages or your bank account, it becomes a real nightmare. While there are things you can do to try and stop a garnishment, including working out a settlement agreement or…

The Pros and Cons of Debt Consolidation in California

Debt consolidation is a finance strategy which entails taking all a debtor’s debts, especially high-interest debts, and melding them together into a single monthly payment with preferably a lower interest rate. This may seem like a dream come true for any individual struggling with their finances, but there are still some issues to consider before deciding debt consolidation is best…

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