It depends on what is manageable for you and your family.
Normally, if your credit card balances are equal or in excess of half of your yearly income, then you should speak to a bankruptcy attorney about whether bankruptcy is a good option for you.
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Yes! We have the best Miami bankruptcy lawyer and we can help you with the filing of a bankruptcy to stop a garnishment of your wages. The day you file your bankruptcy, notices will go out to all your creditors that they need to cease any garnishments,
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