Summary: I just received a notice of Wage Garnishment for a judgment against me. The creditor will absolutely not work with me to come to a payment agreement other than for me to come up with the total amount due: $73,000. I am looking into filing Chapter 13 bankruptcy but, for my immediate needs, I must file a claim of exemption form and financial statement - WG006 and WG007.
I am single with two teenage daughters. I live 20 miles from my work and I usually drive. Public transportation is available to/from my work but only during certain hours of the day and there are many days when I stay later than when the public transportation is available.
Question: Will my auto expenses (loan payment, insurance, gas) be considered necessaries of living expenses? If not, are my commute expenses considered necessaries of living expenses? My commute expenses, whether by auto or by public transportation, are high. If I end up having to take public transportation, that cost will actually be higher than my auto expenses. If the judge does not take the auto or commute expense into consideration, I will not be able to get to work.
FYI: This judgment is not related to child support or a debt associated with items purchased as necessaries of living.
Thanks for your help.