Learn how bankruptcy can give you immediate protection from wage garnishment and stop creditors from seizing your hard-earned money ever again.
When you file Chapter 7 Bankruptcy, your wages can’t be garnished anymore and your entire paycheck is yours to keep again. Learn how wage garnishment works, how Chapter 7 bankruptcy stops your wages from being seized and what steps you can take to get your whole paycheck back.
This page is your home base for learning about wage garnishment and how you can protect your wages from being taken away from you.
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Wage garnishment is a common problem for millions of Americans. It can be deflating to have your wages garnished. But you do have options to protect yourself.Read More →
Wage garnishments have to stop immediately once your case is filed but you should allow time for the creditor to provide your employer with the necessary paperwork to actually cause the stop. If your case is filed the day before your next payday, chances are you're paycheck will still be garnished, as the payroll has already been processed. However, you'll get that money back.Read More →
Wage garnishment can be stressful and hurt your ability to recover from financial shocks. In Florida, there are laws that may be able to help you protect your income.Read More →
Wage garnishment is a way for debt collectors to take money directly from your paycheck. In California, your income level and amount of debt you have can determine how much of your wages can be garnished.Read More →
If you live in New York and your wages are being garnished, bankruptcy may be able to help you keep your paychecks and stop wage garnishment.Read More →
If a creditor is garnishing your wages for a judgment they have against you, then federal law says that the creditor can take no more than 25% of your disposable income, or the amount you earn that is greater than 30 times the federal minimum wage, whichever is less.Read More →
Many people who end up with a wage garnishment are already strapped for cash and can’t afford to have money taken out of their checks every week. Filing for bankruptcy is one of the ways to stop a wage garnishment.Read More →
In some cases, you may be able to get back some of your garnished wages. If the garnishment occurred 90 days before you filed bankruptcy then you could be entitled to the money they took from your paychecks if you have an exemption you can claim. Read this article to learn more about this possibility.Read More →
A garnishment is an order by a court to withhold and surrender a portion of a person’s pay to another entity that has been awarded a judgment against the debtor. Exemptions exclude certain property or funds from being taken by way of garnishment or levy.Read More →
After a foreclosure, a mortgage company can pursue you for the difference in the proceeds of the sale of your home and the remaining balance. They can use all the collection techniques that other creditors use. They can garnish your wages, levy your bank account, or place a lien on things you own.Read More →
Did you know that creditors have the right to seek a garnishment order against you if you fail to repay your debt? This article will give you an overview of what income may be garnished under the law and how to avoid and/or stop garnishment actions by filing a Chapter 7 bankruptcy case.Read More →
Debt collection lawsuits for small amounts are usually brought in a special court, called the small claims court. The procedures are simple and costs kept to a minimum. Even though this is a simplified process, a judgment from a small claims court carries the same weight as a judgment from any other court.Read More →
If you’ve been ordered to pay child support, you probably have a lot of questions. How did the court determine that you should pay this amount? What happens if you fall behind on payments? Could you go to jail or lose your license for not paying child support? What can you do if you can’t afford to make the payments you’ve been ordered to make? All these questions and more are covered in this article.Read More →
A healthcare provider can try to collect unpaid medical debts like any other debt collector might. A provider may even seek to garnish your wages. Before a provider can take your wages, the facility or physician must sue you and win the case.Read More →
After efforts to collect a credit card debt fail, a credit card issuer or its collection agency will eventually file a lawsuit. If you don’t respond, it can get a default judgment. Any judgment (including a default judgment) allows a creditor to get a garnishment order and garnish wages.Read More →
This article will discuss the basics of wage garnishments, how wage garnishments are calculated, what income is exempt from garnishment, and how to stop a garnishment. Once you understand your options, you’ll be empowered to use whatever options apply best to your situation.Read More →
If you have outstanding unpaid debt, creditors may be able to garnish your bank account. This is similar to a wage garnishment except it’s on your bank account instead of your paycheck, and some of the rules are different. Learn about what these rules are, what you can do to defend yourself from a bank account levy, and whether a bankruptcy could help end the account garnishments.Read More →