Bankruptcy can very often be the best way of addressing your IRS and tax debt problems. Both Chapters of consumer bankruptcy (Chapter 13 and Chapter 7)

In Louisiana, when a creditor gets a judgment against you, they can then ask the court for permission to begin garnishing your paycheck. Creditors can garnish up to 25% of your paycheck after standard deductions.

Missing a mortgage payment is often unavoidable. You are shuffling payments around to try and stay afloat, but there just isn’t enough money to cover all of your payments in any given month.