Stop Wage Garnishment

The debt collection process eventually leads to a wage garnishment. Usually, a creditor will attempt to collect a debt for some time before passing that debt to a collection agency. If the collection agency cannot recover the debt, they will file a lawsuit. If you fail to answer the lawsuit or if you lose in the process of litigation, a judgment will be entered against you. One of the ways the creditor will collect on this judgment is by garnishing your wages (If your income comes from social security benefits, retirement plan benefits or from public assistance, your income cannot be garnished). This is an important tool that all creditors use.

For most people, this garnishment may be very difficult to cope with. Many individuals and families have a specific budget which allows them to stay financially stable. A disruption in this stability leads to further financial stress (e.g. falling behind on mortgage payments, car payments, other bills, etc.). A wage garnishment is also embarrassing because it forces your employer to cooperate. Federal law protects you from being fired for garnishment of one debt. Your employer, however, can fire you for having more than one wage garnishment.

If you are currently experiencing a wage garnishment, we can help! The filing of a chapter 7 bankruptcy will immediately stop any wage garnishment. You will have the protection of the "automatic stay" under the bankruptcy law. If there is any money taken from your pay after the chapter 7 bankruptcy filing, we can recover that money. The only exception to the rule is wage garnishment for child support and alimony.

Once the chapter 7 bankruptcy is complete and you receive your discharge, the creditor will never be able to garnish your wages. The debt will be wiped out.

 

Law Offices of Jay Bhatt

618 Newark Avenue, Suite 210

Jersey City, NJ 07306

Phone: (201) 798-8000

Fax: (201) 798-8001

 

Chapter 7 Bankruptcy Info

Consultation Checklist

Click Below for a complete checklist of items that are necessary to proceed with a chapter 7 bankruptcy. We suggest you bring these to our office during the first consultation or supply them by fax or email if the consultation is done over the phone or via the internet.

Client Testimonials

Thank you for helping my wife and I. You have been an angel in our lives during these tough times. You have given us a fresh start. God bless you.

- Edward S.-

I'm grateful for having you take care of my case. The credit card bills, medical bills and lawsuits were a constant stress in my life. I am so glad that I took the next step. I can finally breathe again.

- Rafael R.-

When I became unemployed, I thought I had no way out. My credit card debts would continue to increase and I was overwhelmed with phone calls from collectors. Fortunately, I found Jay Bhatt who advised me to file for chapter 7. It was the best decision I ever made. He is very knowledgeable, experienced and most importantly he works fast. For a reasonable fee, I got out of my debts in no time. I have gone back to work full time and my previous debts have been discharged. Thanks Jay for your help.

- Ana A.-