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My husband and I got into a really tight situation financially do to an illness and massive Doctor bills piling up in addition to the loss of my income. It became an everyday stress trying to juggle bills and 2 car payments, we began to get behind on all of our bills paying one car payment one month and the other the next month.
One finance company was very cooperative, offering deferrals on payments and smaller payments to help get caught up on the loan, while the other was not cooperative at all ( the repo).
Long story short, we recently decided to file bankruptcy.
We are trying to save money for lawyer fees for the bankruptcy which are 00 as they will not proceed with the bankruptcy until all fees are paid in full.
The car was repossessed in the night last night.
what kind of time line do we have before the finance company starts to garnish my husbands paycheck. We are already struggling to survive and can not afford to have his pay garnished.

Okay, please listen before making sarcastic comments. You don’t know my whole story and I am not going to go through the entire thing either (it is a book). I have fallen upon poor health issues and had brain surgery awhile back. I have not been able to work. I had a loan that I took out to help pay on some medical bills (I still have more out there that the insurance did not pay). I was making my payments every month and on time.

I got behind due to the lack of money and stuff. I have a child that come first. Well, anyway, my mother was a co-signer on my loan (I gave her some of the money to help her out on her bills too – long story). The car is in my name, but the place I have the loan through has the title to my car as collateral. So, now I believe they are just going to come and repo my car. How will this affect my mother? I mean will they go after her first or can I just let them have my car? She knows of the situation and does not want me to get my car repossessed, but I have no choice because I don’t have the money to pay on the loan for awhile. I even may have to file bankruptcy due to my medical bills that were not covered by insurance. They are that bad. I was trying to keep up with all payments but some of them will not accept payments and continually harrass me and tell me that my payments (doctor bills) are not good enough.

Any good advice would be appreciated, please no sarcastic comments.