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Can I do Debt settlement with a garnishment and judgements?

Typically once you have been sued by a creditor, it is too late for debt settlement as many settlement companies will not take your case. The best advice is to obtain a lawyer who specializes in debt settlement. They can tell you how your situation can be improved or if there are other creditors who have not taken such actions yet who they can still negotiate with.

Do not be too scared off by the fact that the fees of a law firm might be too high. Law firms who specialize in debt issues obviously structure their fees in a way that makes their services just as obtainable as a standard debt settlement company.

I actually work with some law firms who focus on debt relief. If you provide me with the information in the form, I can give you the name of one who works in your state. Best of luck to you.