Need desperate advice how to navigate and what to say/ not to say now that I am being threatened with wage garnishment on behalf of Ace, cash express
I am not debating. I know I am in the wrong, I just don’t know what is my best course of action as I really just do not have any money.
I have been ignoring Ace cash phone calls and emails for the past six months, and finally got a call from a law firm, threatening to garnish wages. She advised me that she will try to work with me, but again due to my MIA it’s hard. I told her I will try to come up with some amount of money within 24 hours, but the problem is I literally just don’t have any money and will be door dashing to come up with something.
I truly am at the lowest point of my life as I have been unemployed for the six months, and I truly can’t tell you why. I never thought that I would be a person to blame my laziness on my mental health, but right now that that’s the only thing I can say. I will be going around town looking for jobs that I can start as quick as possible. I just don’t know what to do. I can’t file bankruptcy because I do live at home and, I don’t really have anything I can give up.