Can you help me avoid bankruptcy with the judgment and credit card debt that i have?

Given the background information you provided I would suggest one of two courses of action to manage the judgment debts along side the other unpaid credit card debts you have.

First, speak with a bankruptcy attorney and find out if you qualify for chapter 7 bankruptcy where the judgments and other debts can be wiped out. If your paycheck is being garnished right now as a result of the judgements, the garnishment would stop.

If you cannot qualify for a chapter 7, consider a chapter 13 bankruptcy. In the chapter 13, garnishments would stop and your money in a bank account would be protected from a levy. You would be on a monthly payment, maybe even 700 a month you are seeking, for either 3 or 5 years (probably 5), while on the chapter 13 repayment plan.

An alternative to bankruptcy using a debt settlement approach would not make much sense.

Assuming you are being garnished right now, and given that you can only have one active garnishment at a time, allow the garnishment to continue and use any leftover money from monthly income to save up and start offering settlements on the accounts you were not sued on. This rarely works because garnishments can be up to 25% of take home pay. That does not leave enough left over after other monthly expenses to save up and settle with.

You could also look for whatever other sources of money you can tap in order to fund settlement offers more quickly.

You would circle back and settle or pay off any judgement debts last, leaving the judgment you are being garnished on for last.

Your bank accounts are at risk of being levied for judgment debts. You would have to think about creative ways to bank until the judgment debts are settled.

If any of this sounds plausible to you, you are welcome to contact us for a one on one consultation so more details can be discussed. fill out the consultation request form and submit. I would even suggest entering “consult with Michael” (that’s me), in the “additional concerns” section of the consult request form. That will get the form over to me so that I can consult with you personally.

You mentioned you want to avoid bankruptcy. Are there specific reasons you want to avoid it? Have you spoken with a bankruptcy attorney? If not, start there and only afterward, if you still want to avoid bankruptcy, submit the consultation request. Even if I came up with a strategy to help you avoid bankruptcy, because of how far your situation has advanced, I would not work with you unless you had spoken with an attorney and learned all the details you need to evaluate bankruptcy first.