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Can Filing Chapter 7 Bankruptcy Help Get Back Garnished Wages?

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In a Nutshell

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.

Written by Attorney Karra Kingston
Updated July 22, 2020

If you have not paid your credit card bills and creditors are taking money from your paycheck each week, you are probably wondering how you can stop them from taking your hard earned wages. A wage garnishment is when a creditor who has a judgment against you, forces your employer to give a portion of your check to pay your debts. 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. 

How to Stop Garnishment

When you file for bankruptcy the automatic stay goes into effect immediately. The automatic stay stops creditors from collecting from you or contacting you. This means that creditors who have wage garnishments against you, can no longer take the money out of your paycheck once your bankruptcy petition is filed. You should note, alimony and child support payments will continue to be garnished from your pay even after you file for bankruptcy. If you have filed for bankruptcy within one year of your current filing then the automatic stay will only last for 30 days. If you want to extend the stay, then you will need to ask the Court for permission. If you have filed bankruptcy twice within the last two years the automatic stay will not kick in at all. The Bankruptcy Court implemented this rule to prevent people from filing numerous bankruptcy petitions. If your case gets dismissed or you don’t receive a discharge then your wage garnishment can continue after the bankruptcy filing. The wage garnishment will only stop once your creditor is notified. That is why it is extremely important to make sure that all of your creditors are listed correctly on your petition. Contacting your creditors and letting them know that you have filed for bankruptcy is probably the fastest way to get them to stop the garnishment. You should also notify your employer’s payroll department so that they stop the wage garnishment. Many creditors will ask you for proof of your bankruptcy filing. Make sure to have your case number when you contact the creditor. 

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How Go Get Funds Garnished Post-Petition back

If your creditor has garnished your wages after your bankruptcy has been filed even though you called them right away to get the garnishment stopped, then it’s probably a timing problem. Especially if you filed the day before your next payday, there probably simply wasn’t any time. Chances are that payroll was already processed and even if the creditor contacted your employer right away, nothing could have been done to stop it. Make sure you let your employer know about this, and follow up with the creditor to make sure they are issuing a refund. If they are still garnishing your wages after the bankruptcy case is filed, they are violating the automatic stay. Creditors know that the Court can hold them in contempt and fine them for doing this, so they shouldn’t give you any grief about refunding you this money. If they refuse, or continue to garnish your wages, it’s important to let the Court know about this. Hiring a bankruptcy lawyer to hold your creditor liable for violating the automatic stay may be a viable option. 

How Go Get Funds Garnished Pre-petition Back

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. 


If your wages are being garnished, filing for bankruptcy is the only way to stop a garnishment unless you have money to cough up to pay your creditor or they’re willing to settle with you. Once your bankruptcy is filed your garnishment will stop and you may be able to get all the money that was garnished from your creditor if it was garnished 90 days before your bankruptcy filing. Having a wage garnishment against you is never easy, especially when you have other living expenses each month. Filing for bankruptcy can eliminate your debt and allow you to start fresh. Upsolve is a non-profit organization that has many tools to help you file for bankruptcy for free if you can’t afford to hire a lawyer. 

Written By:

Attorney Karra Kingston


Ms. Kingston began her career as a bankruptcy attorney. She has appeared in front of many federal court judges and has helped numerous debtors obtain a fresh start. Ms. Kingston understands the complex federal rules for discharging debt. While working as a bankruptcy attorney, Ms... read more about Attorney Karra Kingston

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