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Wage Garnishment Lawyer

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Bank ruptcy Wage Garnishment

Helping Clients Recover from Financial Debt

As many fall behind on their credit card or other forms of debt, they face a barrage of phone calls and lawsuits from the creditors. A wage garnishment is placed after a judgment against the debtor has been obtained by the creditor. Generally, a garnishment is a tool of last resort used by a creditor, but it’s also the most effective way to get the debtor’s attention. A wage garnishment can take up to 25% of the individual’s income per paycheck.

A wage garnishment can also have a negative impact on the relationship of the employer and the employee. The employer may feel that the employee is not a responsible individual and the hassle of the garnishment is just not a cost-efficient way of running a business. The last thing anyone wants is to be laid off for any reason. During these hard economic times, one cannot just afford to give away 25% of their hard earned money. Bankruptcy can help stop the garnishment in its tracks. Even if a wage garnishment has been started, filing a bankruptcy can stop it immediately. Many people have successfully used bankruptcy as a tool to get a fresh start and wipe away all their debt. Our Los Angeles wage garnishment lawyers can help you stop garnishment through filing bankruptcy.

Call the dedicated team at SM Law Group, APC at , or contact us online for a free consultation. We offer payment plans to make the process financially easier.

Bankruptcy Filing Types

While no one wants to file a bankruptcy because they feel like it’s going to look bad on their record, a wage garnishment looks worse because it means that all of your bills may now spiral out of control. A wage garnishment will take money from your account without your approval or consent. By contacting us and having us set up a bankruptcy, the wage garnishment will stop immediately. You can set up a Chapter 7 bankruptcy that writes off all of your debts, or you can pursue a Chapter 13 depending on your unique situation. Our team is happy to explain the differences and assess your situation so you can select the bankruptcy that is right for you.

A lot of people don’t know that Chapter 13 is a viable option for them. What this means is that when you file Chapter 13, you are able to have the creditors stop calling and harassing you, and they will stop contacting you via mail, too.

Payment Plans Can Help

You can quickly get set up on a payment plan to ensure that you have anywhere from 2 to 3 or even 5 years to pay back certain types of bills. This is commonly used for someone who may not meet income requirements for Chapter 7, where you may make too much money than what is allowed in a Chapter 7.

The Chapter 13 will also stop wage garnishment right away, which will ensure that any additional money from your job will continue to go into your account. You can then use the payment plan to pay off your bills over that set period of time, which can be a few years.

Help Judgment

How We Help with Judgments

If you have a judgment against you, it’s because you were not making payments. There may be a valid reason why you weren’t able to make your payments, like if you had a lack of hours at work, additional debts, or a medical injury. Because we understand that different things can come into play, we can help to ensure that you have someone who can represent you and do it in a quick way to stop the garnishments.

When you are ready to pursue your options, contact us right away and rest assured knowing that we can help you with your wage garnishment.

Call our Los Angeles wage garnishment lawyers today at . We provide transparency so our clients fully understand their situation and options

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