how to deal with personal loan companies who are threating garnishment

I have two personal loans that are 60 days late and are threatening to garnish my check. I have offered them a lower payment till my budget gets back on track.

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It is good to know that you have offered them a lower payment till your budget gets back on track. Have they accepted your request? If yes, then they won't file a lawsuit against you. And unless they file a lawsuit against you, they won't be able to get a judgment to garnish your wages. If you cannot deal with them on your own, then you can take the help of a professional debt relief company to deal with them and help you in consolidating the debts.

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