Are you facing wage garnishment? If so, you likely feel overwhelmed and frustrated because you don’t think you have any good options. Thankfully, you do have legal options that can make a big difference.

Wage garnishment is a legal procedure in which court order can direct an individual’s earnings to be withheld by their employer to pay a debt.

If your wages are about to be garnished, or you are afraid that someone may soon decide to garnish your wages, consider filing bankruptcy. Considered a last resort by some because it creates a record on your credit report, bankruptcy is often the most efficient response to wage garnishment.

When a petitioner files bankruptcy, the automatic stay automatically goes into effect, prohibiting all creditors from taking action to collect on the debts included in the bankruptcy filing. More specifically, the automatic stay stops the wage garnishment in its tracks without any questions.

Bankruptcy’s Automatic Stay prevents creditors from pursuing any collective action for debts you listed in the bankruptcy, including garnishing wages. Once the bankruptcy petition is filed, you receive a case number, and the automatic stay goes into effect. Creditors immediately lose the right to pursue payment, garnish wages, etc.

If you aren’t sure if bankruptcy would be a good decision for your situation, discuss your financial state, any wage garnishments, etc., with an experienced local bankruptcy attorney. With an advocate who understands bankruptcy law at your disposal, you can determine the best option for handling a wage garnishment.

If you have questions about wage garnishment or need to discuss filing bankruptcy in Tennessee or Georgia, don’t hesitate to call Kenneth C. Rannick, P.C., Tennessee, and Georgia bankruptcy attorney. We help good people through bad times.

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