I just found out that since I live in Pennsylvania, that we have a very strict wage garnishment law. In a nutshell, if you have credit card debt out the ass like I do, a credit card company CANNOT sue you for wage garnishment. HOWEVER, they can get a court order to deduct wages from your bank account, in which you either close the account or change accounts.

What is even cooler though is that you cannot go to jail if you fail to repay a court ordered garnishment for credit card debt in Pennsylvania since it is considered civil.

So I am just not going to pay anything on credit cards anymore. Fuck them. I am in a debt settlement agency called Everest Debt Solutions which I found out are pretty much scammers now (what are the odds! haha!) so I must cancel the program and save my money that I am paying them a month. I currently pay them over $300 to take care of some of my accounts. Also, they never mentioned that I will be hounded by the IRS in the future for taxes on settled debt which is fucking bullshit anyway!!! Since the fuckers never eve settled my debts yet, they don't have shit on me yet.

I also owe almost $60,000 in school loan debt, and I had scholarships and grants too!! Federal school loans can be garnished so I am concentrating now to pay them rather than any fucking credit card.

Overall, I'm sure you can tell I don't give a fuck about my credit score. I am moving in with my g/f later in the year so nothing will be in my name and it will be great! Just have to hold out for 7 years.

Some people will bash others who got too deep in credit card debt. Fuck that. The point is that credit card companies charge such ridiculous high amounts of interests and fees that they should all deserve to go bankrupt.

Where was my bailout? Why was there no bailout for the American consumer? No bailout to wipe everyone's credit card debt by at least 50% or more? The "STIMU-FUCK-ME-OVER-IN-THE-ASS" package just put more money in the companies' pockets to keep enslaving us for an allotted amount of time.
Anubis10012007 Reviewed by Anubis10012007 on . Credit card debt and wage garnishment I just found out that since I live in Pennsylvania, that we have a very strict wage garnishment law. In a nutshell, if you have credit card debt out the ass like I do, a credit card company CANNOT sue you for wage garnishment. HOWEVER, they can get a court order to deduct wages from your bank account, in which you either close the account or change accounts. What is even cooler though is that you cannot go to jail if you fail to repay a court ordered garnishment for credit card debt in Rating: 5