u/Abookem

Haven't been formally served yet. It was a docket scraper soliciting their business.

Debt is for delinquent car financing from in the ballpark of $8k plus any fees from the trial (that's what the summons on the superior court website says) it's the original lender if that makes a difference.

Now if my math is mathing correctly, I found out that I'm poor. So for wage garnishment, they have to take the lesser of the two: 25% of disposable income, or the difference between my disposable income and the CA minimum wage x 40. If that all sounds right, that means they'd only be getting about $40 from me every two weeks.

For a bank levy, I am always under the threshold of the minimum amount that is protected.

My question: if worst comes to worst, and they get a judgement for wage garnishment, will I still be able to make the odd extra payment here and there to pay it off faster?

I don't really have disposable cash to burn to file a response, or extra time to be going to court and fighting these people.

Also, if I create a payment plan with them, I can't guarantee I'll be able to consistently make payments to them on a monthly basis, and then I'll just end back up where I am now when I miss a payment eventually. I am that paycheck to paycheck.

It would suck having to pay the court fees on top of the amount they already want, but financially it seems the best course of action would be to let them garnish me and hopefully throw some extra money at them whenever I can.

Thanks in advance.

Sriacha doesn't cut it for me flavor or heat wise. I'd also be open to some chili oils but ones that are actually spicy.

I got into Melinda's Ghost Pepper for a while, but I notice that it's only spicy when I get the tiny sampler squeeze bottle. I think the formula for the regular 5oz bottle is different I swear.

I like burn a lot more than flavor usually as long as it at least pairs, so any "it doesn't taste amazing but fuck is it hot!" will do.