Financial problems

Wage garnishments are put in place when creditors or government entities take legal action in order to collect payment from you. Until full payment is received, a certain percentage of every paycheck will be withheld.

This is often the tipping point for people who have severe debt. While it may be possible to avoid the harassing phone calls from the creditors, or toss a collection letter to the side, it is hard to hide from your employer who has been instructed to start garnishing your wages, which means that you can no longer delay your debt problems.

Depending on the severity of your debt, a creditor can also garnish any funds in your bank account if they can pinpoint where you currently are banking. In Georgia creditors can garnish up to 25 percent of every paycheck and take as much from your bank account as they deem necessary unless you act quickly to stop the garnishment from the beginning.

How to Stop the Garnishment

If you are currently at risk of having your wages garnished, consider filing for bankruptcy.

Filing for bankruptcy is one of the most effective ways to put a stop to wage garnishment. The courts will issue an order that will stop any collection efforts against you and your property. Not only will you not have to stress about your money, the creditors will no longer be able to harass you through phone calls, collection letters or by trying to sue you or foreclose on your home.

Don’t wait until the last minute to correct your garnishment. If you are in the process of being sued or currently have a judgment against you, we can help. The longer that you push aside this issue, the greater the chance that your wages will be garnished or the money in your back account will be seized.

If you are facing a garnishment, don’t do it alone. Our attorneys have extensive experience with a variety of situations surrounding wage garnishment. Contact us to set up a free bankruptcy consultation. We will discuss your specific situation, walk you through the bankruptcy process and make the garnishment stop.