Laura Cox said:Hello,
I’m looking for some guidance if anyone can offer it.. My brother has been living in a commune for about a year now; he's divorced and has a child around eighteen months to two years old. Recently, my mother tried to check through the IRS to see exactly how much debt he carries and whether there are any pending garnishments that might eventually land on her doorstep..
What she found was quite significant—a total debt of $13 with interest reaching roughly $20 stemming from various sources (Verizon, AT&T, traffic fines, etc.).
Can anyone suggest a way to stop this debt from spiraling? Is there any mechanism to halt the interest accrual, or perhaps a way to have some of it forgiven?..
It’s becoming incredibly difficult for Mom to cover this out of her own salary, and she’s feeling lost; she can’t take out a loan because she’s already maxed out on her existing credit..
If anyone understands the best course of action in a situation like this, please reach out with advice. I suspect my brother won't be returning anytime soon, and even when he does, paying this off will be an impossible task.. the amount is almost certainly going to balloon further..
Thanks in advance!
Look, if someone owes their brother money, his mother has absolutely nothing to do with the repayment. It’s a completely separate matter—period. Since he isn't working—and given that he’s officially being treated as a recovering addict—he should definitely look into applying for some social assistance. It's about time.
And they won't be able to garnish her wages either—not if they can't pin her down. Honestly, his best bet is just to keep working under the table and wait for what everyone here keeps suggesting: that personal bankruptcy law to finally kick in.
Either I pack my bags and head abroad—praying to God that the Believers don't track me down—or I stay right here and deal with this mess.
p.s.
There's one thing that's really been weighing on my mind lately. That friend I mentioned earlier—the one we were talking about before—has been grinding away at this loan for five years already, and get this, he’s got another five years of payments left to go. It just seems like an endless cycle, doesn't it?
Now he’s gone and hit a nasty legal seizure because he acted as a guarantor—and on top of that, they’ve already frozen two-thirds of his paycheck. Just my luck, right? Typical.
But the real issue—the part that really gets under my skin—is how this Company actually managed to pull it off:
First off, they start by garnishing his paycheck directly—standard procedure—but then it gets even messier. Whatever is left over after that initial hit? A new creditor steps in and grabs a third of that remaining amount because they’re acting as a guarantor for someone else's loan. It's just one thing after another.
Personally, I’m of the mind that the Company should just send two-thirds of his entire paycheck directly into a protected account. Then—and this is the part that actually makes sense—that remaining third could be used to settle his existing loan first, since he’s been staying on top of those payments like clockwork. It’s just common sense, really.
And whatever is left over from that remaining third—well, it just gets handed off as an enforcement to some new Believer.
What specific legal steps does he actually need to take to establish whether the current loan takes priority before a new enforcement action kicks in? It’s all about the sequence—determining if that existing debt holds the line first, and only then allowing the new seizure to proceed.Note: Still waiting on an answer from someone here—does a guarantor actually put their own assets on the line too?!