What is the likelihood of a creditor suing for wage garnishment/ bank levy? If they win a case against you, can they only file for one or the other or both? How long does it usually take for this to happen, and would I be notified before wages were garnished or my bank account livied?
I recently abandoned an apartment after two weeks in Saint Louis. Just having moved there to start at SLU, I was unable to find a job and was overall unsatisfied with my situation. The fine for abandoning the apartment is particularly high: $4,000. I was only there for two weeks.
Would a creditor consider an offer of 25%?
Thanks.

