In my opinion, you are a very good candidate for a Chapter 7 bankruptcy, which would end all of these debt issues permanently and at once. Debtors whose only real assets are wages from employment, Social Security retirement, and perhaps some retirement accounts (IRA, 401(k)), can frequently "do-it-yourself" the bankruptcy and have only the filing fee and the fee for the debt counseling program. (approximately $500 total). If you want to investigate this further, than see this publication
That said, you asked: What if I don't show up for this second Hearing will they pass a judgment to garnish wages.
A: Eventually, yes -- though perhaps not at the next hearing.
My Husband and I are both on Social Security but my Husband still works because we need his income to survive and to pay our other bills like Rent etc. I tried explain this at the first Hearing but got nervous and can I ask for another extension to be able to work with the Debt Relief Program I'm in.
A: You can ask for whatever you want -- however, the court must consider each sides rights, and if the creditor is entitled to a judgment, then the court is obligated to award it to the creditor. So, requesting another extension is probably not going to impress the court at this point. Note: The judge knows that you can file bankruptcy on the debts, so from his/her perspective, he/she can grant judgment to the plaintiff, and it still will not place you in an untenable circumstance, because you can file bankruptcy. The judge can't say this in open court, however, because that would be giving you legal advice, and demonstrating bias against the plaintiff -- which violates due process of law.The Debt Relief people did say that by September 2013 I will probably have enough funds built up so they can start negotiations with the people that are bringing us to Court.
A: I can't comment intelligently about the debt relief organization. My experience with such organizations have been generally bad -- so, I'll just have to take your comments at face value and say that if you choose to go forward with debt relief instead of bankruptcy, I hope things work out well for you.
Hope this helps.