Bankruptcy Can Stop Wage Garnishment
Creditors can be relentless. They constantly call your home and send threatening collection letters. When harassing collection calls and letters don’t work, some creditors will garnish your wages.
Wage garnishments are particularly invasive collection practice, as your employer receives a court order to automatically remove money from your paycheck to pay a particular creditor. Your ability to choose which creditor to pay first is affected and you are left with less money to pay for basic living expenses.
What You Should Know About Wage Garnishment
Fortunately, bankruptcy can help you put a stop to most wage garnishments. I am attorney Steven F. Bilsky, and I have helped thousands of clients who were facing difficult debt challenges. I have more than 39 years of experience helping clients obtain debt relief by filing for bankruptcy.
With a Chapter 7 bankruptcy or Chapter 13 bankruptcy, you can put a stop to most wage garnishments. Some debts may be nondischargeable, and depending on the chapter that you choose, the garnishment may resume when the case is completed. As your bankruptcy lawyer, I can help you determine if bankruptcy is right for you. I can also help you determine which type of bankruptcy is best suited to provide the debt relief you need.
Stop Wage Garnishment With The Automatic Stay
When you file for bankruptcy, an automatic stay order will go into effect that temporarily halts most creditors from engaging in any further collection efforts, including wage garnishments. Most wage garnishments can be halted by filing for Chapter 7 or 13 bankruptcy. The automatic stay provides critical time to pursue lasting relief from your debts with your Chapter 7 or Chapter 13 bankruptcy.
Contact Me Today
I serve clients throughout the Memphis metropolitan area. To schedule a free initial consultation with me, contact my Memphis, Tennessee, law office at 901-525-6692 or use my online contact form to make an appointment.