Ending Wage Garnishment in College Park & Stockbridge
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When you fall into serious debt, there are many things that creditors can do to collect get the money they are owed. One of these methods is garnishing your wages. Unfortunately, when they take money out of your paycheck, it makes it harder for you to pay your bills and debt. It is a vicious cycle that can add up more debt and lead to a worse financial situation. Stop the downward spiral of debt and retain the services of a skilled College Park & Stockbridge bankruptcy lawyer. You may want to consider filing for bankruptcy to get your life back on track. Our team here at The Bankruptcy Law Group LLC can help you determine the right chapter and file it on your behalf.
There are a number of ways that filing for bankruptcy can relieve debt, including:
- Stopping wage garnishment
- Stopping home foreclosures
- Stopping creditor harassments
- Stopping auto repossession
Contact us online or call (770) 766-5004 to discuss your options with a wage garnishment lawyer. We serve clients in College Park and Stockbridge.
Can a Lawyer Stop Wage Garnishment?
Working with an experienced lawyer gives you the best chance of stopping a wage garnishment. It is true that you do not necessarily need one when negotiating a settlement, however, attorneys have a greater understanding of procedures and the options you have available when it comes to your circumstances. With a lawyer, you have a greater chance of achieving the outcome you want with your creditor.
Can Wages Be Garnished Without Notification?
There are three important things to know when your wage has been garnished:
- Your employee is usually required by law to respond quickly to a wage garnishment notice. That can mean you may not receive a notice when your employer has to act quickly and take money from your paycheck.
- State laws do not require employers to notify employees. They are also not required to give you a period of time to dispute the debt or garnishment. They should provide you a copy of the notice, out of courtesy.
- You generally can’t be first because of a single garnishment, but if it is constant there is a possibility you may lose your job. If you are facing garnishment from more than one creditor, you should talk to a bankruptcy attorney to possibly save your job!
Can My Wages be Garnished Without Going to Court?
Your wages may be garnished without going to court in certain situations.
These creditors do not need a judgment:
- The IRS or state tax authority
- People or agencies, for example, if you owe child support or alimony
- Student loan debt collectors
Even though court judgments are not needed, they are required to notify you that your wages will be garnished and provide you with time to object the order before it begins.
How Can Bankruptcy Stop Wage Garnishment?
The reason that creditors cease all attempts at debt collection (and direct contact with you) when you file for bankruptcy, is because a court order is issued after petitioning for bankruptcy. This is called "the order of relief" with a clause called "automatic stay" that stops all wage garnishments.
In some situations, you may even have past garnished wages returned to you. As you can see, there are many benefits of filing for bankruptcy. This solution can give you and your family more time to figure out your finances and work towards an effective solution to get rid of your debt.
Available Weekends & Evenings Too
We Offer:
- Free evaluations
- Convenient late night and weekend appointments
- Emergency hours to accommodate your schedule
Find out what options you may have and learn how you can stop wage garnishment with bankruptcy.
Call our firm today at (770) 766-5004 to schedule a consultation!
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See What Our Clients are Saying
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This was my first time working with a Bankruptcy lawyer. Everything went very smoothly. Stacey helped me through the whole process every step of the way, from going through all the paper work, to meeting with a Trustee at the Courthouse. I would see her for more legal advice if I needed to.- Dale
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Ms Stacey Lynn Butler unique combination of professionalism and customer service was instrumental in me selecting her to handle my case. I would highly recommend her for anyone who needs an attorney.- Roosevelt
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When I first met with Ms. Butler, I was a nervous wreck and uncertain about my financial future. She assured me that every thing would be OK after looking at my situation. Her smile and cheerfulness also helped to put me at ease. She really knows her job! With her help, I can now sleep at nights.- Robert
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Stacey Butler helped my husband and I gain financial freedom. She was very upfront and even went beyond the call of duty when it came to our home. I will send others to her if there is a need.- Kimberly
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I would recommend this Lawyer 100%. All of them are excellent at that office: *They offer affordable payment plans. *They explain everything about what you are about to file. *They respond every concern or question in a fast manner. Excellent, kind, polite, very professional, great manners, fast response to every email and phone call, excellent communication between each of them and client (me). They are simply AWESOME!!!- Tamara
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Stacy Butler has gone above expectations with me. Any time any day she responds to my questions and concerns. She has been very understanding of my situation and has been compassionate of my circumstances.- Karen
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Ms. Butler was very professional and knowledgeable. Anytime I had a question, she was able to answer and when she wasn't sure, she did not guess. She found out the answer promptly and made sure I was prepared. I would recommend her service to anyone. Her entire staff was courteous and reassuring. We need more like her.- Tanya
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Stacey was amazing , she was very informative and helpful. She gave us hope in a desperate time and walked with us through the process as a friend. We have and would continue to recommend her and her services.- Wesley