Garnishments

Are you receiving multiple phone calls from your credit card companies and other debt collectors each day? Or is your paycheck or bank account being garnished, leaving you with even less money than you already had? These calls and garnishments can add even more stress to already difficult financial situations. Bankruptcy may be an option to provide you the relief you need and stop them from happening.

Even though a bankruptcy may take several months to finalize, the collections activity will stop as soon as the bankruptcy petition is filed. When we file your bankruptcy petition, something called the automatic stay goes into effect. The automatic stay is an injunction that automatically stops lawsuits, foreclosures, garnishments, and all collection activity against you (including those phone calls) the moment a bankruptcy petition is filed.

After a bankruptcy case is filed, the automatic stay remains in effect unless the Judge grants a request of a creditor to end the stay or the debtor gets a discharge. The Creditor cannot do any further collection activity without the express permission from the Bankruptcy Judge.

Filing for bankruptcy can restructure or eliminate many of your debts, meaning those debts that led to the wage garnishment could be gone for good. In addition, we are often able to get at least part of your money back for certain amounts and time periods that your wages were being garnished.

If your wages are being garnished due to a lawsuit, call us today to see if bankruptcy could help you stop the garnishment and get your money back.