Stop Wage Garnishment With Bankruptcy
Wage garnishments are the most aggressive collection action that a creditor can take against you. Creditors obtain authorization from the court to deduct money from your paycheck to pay off your debt. If your creditors are threatening you with garnishment or your wages are already being garnished, our lawyers at Robinson Salyers, PLLC, in Shelbyville and Frankfort, can help.
Timing Matters — Take Action Now
Most people do not know how to deal with creditor actions, including garnishment. Do not ignore letters from a creditor threatening garnishment. The best thing you can do is contact our lawyers, who have the experience, determination and record of success to help you fight wage garnishment.
At the first signs of financial distress, you can prevent major problems by discussing your options with a lawyer. The earlier you take back control, the better. But if you are already knee-deep in trouble, our lawyers can still be an effective advocate on your side.
They will look at your complete situation and help you evaluate what strategy would work best for you. The priority is preventing wage garnishment or stopping it once it has already begun. Filing for bankruptcy — Chapter 7 or Chapter 13 — can stop any creditor actions, including garnishment.
If your wages have already been taken, our attorneys can often get your money back. If the money was garnished by your creditor within 90 days of filing bankruptcy, it can usually be recovered as part of the bankruptcy process.
Weigh Your Options
With Chapter 7 bankruptcy, most of your debts, including credit card debt, medical debt and some tax debt, are eliminated. Some debt cannot be discharged. This is true for student loans, child support, alimony and some secured loans.
Chapter 13 bankruptcy is a plan that involves restructuring your debt. All debt is lumped together, and you make monthly payments for a period of time.
In both cases, once you file for bankruptcy, all creditor actions must stop due to the automatic stay. This allows you time — time to catch your breath, time to figure out the best plan and time to catch up on payments. Life after bankruptcy can mean the chance at a fresh start.
Stop Garnished Wages Today. Talk To Our Attorneys.
To stop wage garnishment, turn to Robinson Salyers, PLLC. To schedule a free initial telephone consultation, call one of our Kentucky offices: Shelbyville at 502-220-4439 or Frankfort at 502-257-5417. You can also contact us online.