Stop Garnishment

Wage Garnishment Prevention Attorney

Once a credit card account (or any debt) goes into default, and the creditor determines it cannot collect, it may sell the debt to a debt collection company. If the credit card or debt collection company is unsuccessful in recovering the debt, then it will likely sue the consumer (debtor) in an attempt to recover its losses. If the court rules in favor of the creditor, a judgment and an order to garnish the debtor’s pay check will follow. The creditor will be able to deduct up to 25% from a debtor’s paycheck. This is a lot of money. And if the debt is a lot, it can take years for it to be paid back to the creditor in this manner. Not only is the underlying debt amount garnished but attorney fees for the creditor are included and interest continue to accrue.

Many people tend to accept the garnishment as their “punishment” for letting the account go into default. However, bankruptcy is a solution and should be seriously considered. Instead of feeling helpless and frozen you can take action to improve your financial situation. Filing bankruptcy stops wage garnishments allowing you to receive your full salary. The underlying debt will typically be discharged in the bankruptcy unless it’s a non-dischargeable debt such as child support/alimony, certain back taxes, and some other debts.

Our office has helped hundreds and hundreds of people throughout the Central Coast (Monterey, Salinas, Hollister, etc.) stop their wages from being garnished.

So if your wages are currently being garnished or you’ve been sued by a creditor do not hesitate to contact us today for a free consultation. Call (831) 224-3199 today!