Bankruptcy can stop a debt collector's wage garnishment


If you're living paycheck to paycheck, discovering that your paycheck is being garnished can cause a ripple effect on your everyday living expenses. Bankruptcy laws were designed to give you a fresh start from your financial problems, and stopping wage garnishments on your paycheck is one such way you are provided relief.


Once your bankruptcy case is filed the automatic stay is put in place pursuant to §362 of the U.S. Bankruptcy Code. Thus, a debt collector's wage garnishment of a debtor's paycheck must stop. Not all garnishments are the same though. So for example, if you have a child support deduction from your paycheck, that particular garnishment would be allowed to continue. Moreover, debts related to child support, child support arrears, alimony, etc. known as domestic support obligations, are non-dischargeable debts under §523 of the bankruptcy code, and also carry priority status over other such debts pursuant to §507 of the bankruptcy code.


What is important to note, is if you are struggling financially, and part of that struggle is related to you paycheck being garnished by a debt collector, a bankruptcy will provide you with relief. So you get the benefit of being able to discharge the debts that are dischargeable, coupled with the fact that the moment your case is filed the automatic stay is in effect. Thus, your bankruptcy attorney will have the debt collector stop all collection efforts.


If this is what your experiencing, then call us. We have over 18 years of experience filing successful chapter 7 and chapter 13 bankruptcy cases. Give us a call, tell us your situation and let us advise you on how we can help you!


You can reach us by phone at: (989)891-9780, by email at: Kraftlaw@att.net by website: gwkpllc.com by facebook at: facebook.com/ gwkpllc and by Instagram at: attoreygordonkraftiii


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