If several of the following apply in your situation, you might consider discussing bankruptcy with New Jersey Bankruptcy lawyer Rafael Gomez:

• your wages or your bank account have been garnished
• most of your debts are Unsecured Debt like credit card bills, hospital or doctor's bills, etc.
• your total debt, not including your car or house loan, is more than you could pay, even over five or more years
• collection agencies are calling you at home and/or at work
• your payments are more than 30 days behind on more than one bill
• there are lawsuits pending against you
• you have high medical bills not covered by insurance
• you owe income taxes that you are currently unable to pay
• you have few assets
• you have little or no savings
• you have had property repossessed (such as a vehicle)
• your mortgage lender has threatened or started foreclosure proceedings against your home

People who have had their wages garnished can especially benefit from a bankruptcy because the bankruptcy will stop the garnishment and could potentially help you get some of the garnished money back.