Bankruptcy is a legal status of a person or other entity that cannot repay the debts it owes to creditors. In most jurisdictions, bankruptcy is imposed by a court order, often initiated by the debtor.


A collection agency, also known as a debt collector, is a business or other entity that specializes in debt collection, i.e. pursues payments of debts owed by individuals or businesses.[1] Most collection agencies operate as agents of creditors and collect debts for a fee or percentage of the total amount owed.[2]


Garnishment is an American legal order for collecting a monetary judgment on behalf of a plaintiff from a defendant. The money can come directly from the defendant (the garnishee) or—at a court’s discretion—from a third party. Jurisdiction law may allow for collection—without a judgment or other court order—in the case of collecting for taxes.[1]


  1. Call CLEAR at 1-888-201-1014  Monday-Friday 9:15am-12:15pm
  2. Once you are referred to us we will set you up with an AC appointment with an attorney. (Attorney appointments are out 6-10 Weeks)