In most situations, it is never too late to stop garnishment of your wages. After a creditor files a lawsuit against you and gets a judgment against you, the creditor can begin actual collection action. One of the most common ways that creditors will try to collect money from you is to garnish your wages. If you or your employer receive a notice that your wages are going to be garnished, you can have up to 25% of your take-home pay involuntarily taken from your paycheck and handed to the creditor by your employer. The solution to this problem is to file a bankruptcy. As soon as you file for bankruptcy, whether it is Chapter 7 or Chapter 13, the garnishing creditor is no longer permitted to take any additional funds from your paycheck. This is because of the automatic stay that goes into effect as soon as the bankruptcy is filed, which protects you and your wages from collection activity of all creditors. In some situations, after we file the bankruptcy, we may even be able to get back the funds that were already taken from your paycheck. If you would like to explore how a bankruptcy can give you back your entire paycheck and stop garnishment of your paycheck by a creditor, call my office today to schedule an appointment to meet with me. The first appointment with me is free. However, the cost in delaying to meet with me may mean the loss of a huge part of your paycheck and a delay in the garnishment being stopped. I have offices conveniently located in downtown Cincinnati and in West Chester. Let me help you take the first step on the road to financial freedom.
For more information on how I can help you with stopping a garnishment, read more at the following page on my website: