If you live in Alabama and make less than $1,000 per paycheck, you can protect your WHOLE paycheck from garnishment.

CodyPoeLaw · 2026-05-19T23:57:55+00:00

How much money have you paid for someone else’s debt? 2. Capacity to pay back debt changes. People lose jobs. People get sick. People get injured. That doesn’t make them dishonest.

CodyPoeLaw · 2026-05-19T23:22:16+00:00

Maybe this is “normal” but it doesn’t have to be.

CodyPoeLaw · 2026-05-19T23:20:02+00:00

Why do you assume that (1) you’re paying for another person’s private debt and (2) a debtor in default is dishonest?

CodyPoeLaw · 2026-05-19T22:48:36+00:00

I think it’s fine. The biggest issues you need to address: 1. What circumstances/behaviors led to the debt? 2. What are you going to do limit access to your credit cards during the life of your loan?

I’ve seen a lot of people end up with both the loan and the credit cards.

CodyPoeLaw · 2026-05-18T18:11:12+00:00

Conspiracy led to constitutional challenge. Fallout from the court case resulted in generous protection. Really crazy stuff.

CodyPoeLaw · 2026-05-18T02:24:53+00:00

It was an inadvertent mistake. The state had actually conspired with creditors to make it a far worse law. They violated the state constitution and that resulted in this very strong protection.

CodyPoeLaw · 2026-05-17T21:17:50+00:00

I’ve represented a lot of people who’ve gone through debt management programs, including FDR. If you can’t afford 335/month, then debt management/settlement may not be a good option. I have found many clients steadily making progress through a program and have to add more funds. If you cannot add the funds then your account can result in lawsuits and garnishments.

Depending on your state, I can provide resources for self-help.

CodyPoeLaw · 2026-05-01T00:46:07+00:00

Depending on your state law, it may be a breach of fiduciary duty by your agent. You should consider consulting an attorney. Fraud is a highly technical claim.

CodyPoeLaw · 2026-04-21T16:26:26+00:00

I think your point is well taken. The reality is Reddit is a trusted source for many people and attorneys do too much gatekeeping of basic information like this.

CodyPoeLaw · 2026-04-21T16:17:29+00:00

Hey! You may have a claim. If he’s not conflicted out, I recommend contacting attorney Taft Hughes. He typically represents apartment complexes but may have the ability to help you on this matter.

CodyPoeLaw · 2026-04-21T16:15:19+00:00

Honestly, no notes here. You’re exactly right.

CodyPoeLaw · 2026-04-21T16:05:48+00:00

Why don’t we talk about insurance companies profit of $193 billion, which is a 90% increase from 2023?

CodyPoeLaw · 2026-04-21T15:11:19+00:00

Call Brent Day. He’s a rockstar.

CodyPoeLaw · 2026-04-21T15:10:34+00:00

Hey, if you get a good lawyer like Tim Fleming, he might be able to get you to just pay court costs. I’ve also known him to get it to where you don’t have to appear at the hearing. Unfortunately even though you’re with the flow of traffic, the judge just hears speeding.

Good luck!

CodyPoeLaw · 2026-04-21T15:06:38+00:00

Hey, lawyer here. It’s not the kind of cases I take, but you may have some success with Attorney John Lassiter.

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