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Hi - my name is XXXXX XXXXX I'm a Bankruptcy litigation attorney here to assist you.
You're likely better off to file bankruptcy and have all of these debts discharged against you. This will prevent any future wage garnishment on your employer, or any other collection attempts that the creditor can try if you don't file bankruptcy.
An employer is not going to be much concerned with you filing bankruptcy unless you are applying for a job with a financial institution (like a bank). Getting these matter cleaned up and put to rest by filing bankruptcy and receiving a discharge should look better than the prospect of having judgments, garnishments, etc. issued against you to your employer.
No, it should not. Bankruptcy is not a terrible thing and doesn't mean that you can't be trusted with handling money. The reason for your situation is from a medical condition that you have no control over. It's not like you went out and bought thousands of dollars worth of clothes, shoes, electronics, etc. and then decided to walk away.
Your credit report will show that you have filed bankruptcy, and also should show that all of your accounts are subject to discharge or were discharged in bankruptcy.
I don't know of any way to provide an explanation of why you were forced into bankruptcy, but you can explain that to the employer. Also, if someone looks at the report, they will be able to see that the debts are to medical providers and not Chase, Bank of America, etc.
I think I misunderstood your question on this. Sorry.
The Fair Credit Reporting Act does allow you to post a 100-word notation on your credit report that can explain any credit-related issue you want. However, these posts are largely overlooked by creditors. However, an employer may take more stock in the post. But, if the issue comes up with the employer, you're better off to discuss it face to face instead of letting a 100-word blurb do the talking.
The employer is going to be considering the bigger impact your financial situation may have on it - not you. Thus, if the employer sees that it is going to be receiving 20 garnishments from your creditors, which it will have to respond to and pay money from your wages to until paid off, etc., that's much more of a hassle for the employer than if it sees that you've filed bankruptcy (which will require it to do little if anything).
Thus, the bankruptcy should look better to the employer than the potential collections your creditors can place on it.
Generally, you can get a credit card within 6-12 months after the bankruptcy is complete. The credit limit would be small and the rates would be higher than normal, but it will get you back into rebuilding your credit.
If you have proof that all of these accounts were paid and settled via emails from the creditor, that is admissible and valid proof of the debt being satisfied. I would recommend that you file a dispute with the credit reporting agency and have it/them perform an investigation and update the account information accordingly. You can send the emails you to the reporting agency and they'll review them as part of the investigation.
It's better to go through the credit reporting agency instead of dealing directly with the creditor.
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