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Statutes and Garnishments:

Let's look at the statute of limitations that creditors in your state must abide by, and the laws around wage garnishment and levies in your state

What is your zip code?
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Approximately how old in years is the debt in question?
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Approximately when was the last payment on this debt?
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Do you know whether the debt is within the statute of limitations?
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How has this creditor contacted you?
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How much is the creditor trying to collect from you?
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Have you requested this creditor to validate the debt in question?
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Do you know who the original creditor is?
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What is the name of the original creditor?
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Are you being sued for any other debt?
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Do you have any other debt that is behind for which a lawsuit could be filed?
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Approximately how many creditors are you behind with?
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Approximately how much debt is owed?
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Are you able to come up with any money that can help resolve this debt?
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Are you comfortable directly negotiating with this creditor or their attorney?
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Every situation is unique. Do you have any specific questions? (optional)
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How often do you receive a paycheck?
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How much do you receive in your paycheck BEFORE taxes?
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How would you pay for the bankruptcy?
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Do you receive income from any other sources, e.g. business, retirement, alimony, child supports, etc.?
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What is your average monthly gross income from other sources, e.g. business, retirement, alimony, child supports, etc.?
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Which of the following best represents your approximate annual other income?
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What is causing you to consider debt relief?
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Which best describes the debt?
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What best describes why you are considering debt relief?
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What is the status of the divorce?
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Do you have a pending foreclosure sale?
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What is the unexpected expense?
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What is the status of the wage garnishment?
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How many people do you take care of in your household (including yourself)?
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You answered there is only one (1) person in your household, but you are married. Please confirm the number of people in your household.
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How many people in your household are 65 or older?
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Are you 65 or older?
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How many of your dependants (excluding a spouse) are over 18 years old?
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Approximately how much student loan debt do you have?
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Approximately how much unsecured debt such as medical, credit card and personal loans do you have? Please do not include auto or student loans.
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Final Questions:

If your debt is within the statutes of limitations, the creditor may attempt to sue you. What free resources would be helpful for you to resolve your debt?
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Do you want to save this information and get a copy of your results to your email address?
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Note: Ascend may receive a referral fee if you choose a free consultation. Our partners conduct free, no-hassle evaluations to learn about your options. You can complete it over the phone in as little as 10 minutes. The attorney fees are affordable, and often a flat fee. All initial consultations are 100% free of charge, and all lawyers are licensed in your state. By selecting a partner above to reach out to you, you agree that a partner may contact you (including autodials, pre-recorded calls, and SMS) to answer your questions about relief.

First Name
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Last Name
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Email address
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Phone Number
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