There is a Bloomberg news story about a teacher getting garnished. Within the section titled "Last Resort" a spokesman for the Department of Education says lawsuits are a last resort and former...

Sorry if this posts twice, but my reply seems to have not posted or maybe I did something wrong a few days ago.

I am not incorporated, I am self employed as a design freelancer, sole proprietor.
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I may have two cards charge off very soon. I am doing research on the next steps to pay this debt if it goes to collections through an collections agency or attorney.

I am self employed in...