My Wages are Being Garnished – Will Bankruptcy Help Me?

Wage Garnishment Lawyer

Most people face tough financial times at some point in their life. It’s nothing to be ashamed of but you do need to take action. If your wages are being garnished to repay a debt, bankruptcy could be the solution you need to get a fresh start.

Garnishment of Wages

When you owe a debt, some debt collectors will take extreme measures to get their money from you. Some will try to embarrass you by calling your employer, your friends, your family, even your neighbors. These practices are all against the law.

Even if a debt collector is taking legal steps, it can still create a challenge for your life. Garnishing your wages is one such legal step creditors can take.

Garnishing your wages means that a creditor has filed an action against you in court and the court has granted their request to garnish your wages to repay the debt. The creditor then receives some of your paycheck every time you’re paid. When you’ve reached this point, you may need the help of a lawyer to guide you through bankruptcy.

Bankruptcy Options

When it comes to bankruptcy, you have options. If you have the ability to repay some debts and want to keep some of your assets, Chapter 13 might be the right option for you. On the other hand, if you don’t have the ability to repay or don’t want to keep your assets, then Chapter 7 might be the right path for you.

No matter which bankruptcy option you choose, working together with a skilled bankruptcy attorney will ensure you receive accurate and friendly service. They are here to help you get your fresh start and we will help you determine which path is the right one to take for your specific situation.

Some Debts are not Discharged Through Bankruptcy

Not all debts can be discharged through bankruptcy. These include:

  • Child support
  • Alimony
  • Other support obligations
  • In some cases, back taxes

If you’re facing a tough financial situation, you want the pain to stop and you want to make sure you are able to get back on your feet. Bankruptcy could be the option for you that helps you stop the garnishment of your wages. Once you file for bankruptcy, all debt collection must stop. That includes garnishment.

Contact a Law Firm for Help

Bankruptcy may seem like an extreme option. But it helps give you a fresh start. A lawyer has the experience you can lean on to make sure you get the clean slate you deserve.

Your fresh start awaits but we must act fast. To stop the garnishment and other harassing debt collection practices, time is of the essence. The garnishment won’t stop until you file for bankruptcy.

Contact a law firm today to learn more during your no-obligation consultation with a bankruptcy lawyer.

Source: Wage Garnishment Lawyer Tampa, FL, Law Office of Michael A. Ziegler, P.L.

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