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Non profit credit/debt counseling service? |
I have a large debt to the irs, a garnishment on my wages and at least another 10,000 in other debt. I was just laid off of my second full time job, although I am looking for another............ what services or other options do I have to fix these issues. Between the garnishment, and the irs debt I cant make it on just one job. Howdy, I've detailed this question on my website: http://www.coddleshell.com and I've pasted the answer below. I hope this will help you! First, wage garnishment isn't pretty. According to the government, garnishment is usually ordered by a court and cannot exceed 25% of a person's disposable income (net income). My advice on this would be to talk with the IRS and see if a more agreeable settlement option can be made. At least in the state of Ohio, where I live, they offer a program to settle debt if you face certain conditions. These conditions are economic hardship or doubt of collectability. It's always worth a shot to try to explain things from your point of view. As for finding someone to help you with your issues, you should contact the NFCC - The National Foundation for Credit Counseling. They can put you in touch with local companies that provide credit counseling services. They would be more experienced with such issues that you have and could offer you better and more personalized advice than I can. get another job. The only reason to owe money to the IRS is from not paying taxes. No sympathy there. The other debt is from overspending... Try living within the income you make. |
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