Los Olivos, CA Bankruptcy Law Firms & Lawyers

You would have to meet with an attorney and go through a full consultation in order to get accurate advice on which Chapter is best for you. It does sound as though most likely a case will benefit you. Often a Chapter 13 can be filed for very little up front, so that's often good for someone being garnished. Also if you have been paying on the vehicles for a while or had them long enough to do a "cram-down" to the value that may help ease your monthly budget as the Chapter 13 plan payment would likely be much less than your regular monthly payments on the vehicles. You should definitely meet with an attorney. You may be able to get a case filed in as soon as 5-10 days, stopping the garnishment and handling everything through a plan.

According to Wikipedia, a W-9 form is used by third parties to file an information return with the IRS on reportable payments made to others. It requests the name, address, and taxpayer identification information of a taxpayer (usually in the form of a Social Security Numberor Employer Identification Number- either number is considered a Taxpayer Identification Number.. The form is never actually sent to the IRS, but is maintained by the person who files the information return for verification purposes. The information on the W-9 and the payment made are usually reported on a Form 1096 or 1099.

One spouse can file a bankruptcy petition without the non-filer's permission. However, certain exemptions are not allowed to be claimed unless the non-filer signs a spousal waiver.