I,m in California.
I,m trying to work with a firm called M.R.S Associates Inc[Ohio based], over an old credit debt from Capital One, which currently stands at $1083.18.
I,m a full time student, and between my cash aid, and a small part-time on campus job, my total monthly income right now is about $1150. Currently our rent is $840 per month, and after essential utilities,we have very little income right now.I,m also sole support to my wife and 3 1/2 year old son.My financial aid for the upcoming school year is currently being assessed, and is paid to me directly, by my college, in two installments, the first of which is in mid August, but with which I have to budget, for rent and basic utilities, until the second installment in mid October.I will only have my part-time job until mid September, when I,m going to enter clinicals for a nursing program.
I explained the situation fully, but the guy I spoke to, indicated that unless I pay $200 by 7/31, they will recommend court action.I offered $50, and regular instalments, once I,m aware of EXACTLY what my upcoming financial aid will be, but of course my offer was outright refused.
Exactly what can happen, if they decide to proceed with court action, and what can they garnish, as I said, I only have my job until mid September, and after that its purely what financial aid I receive, and our cash aid.My top priority is maintaining my rent and basic utilites, to keep a roof over mine and my families heads! I do not own a car, but do have a joint checking account with my wife, our cash aid is paid directly into it, and from which we pay our rent and utilites and thats it! Can they garnish our cash aid?
Thanks in advance for any help, as I,ve never been in this situation before.

