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Can Bankruptcy Stop Wage Garnishment?

  • By: Bach Law Offices, Inc.
  • Published: January 22, 2020

Stopping Wage Garnishment Through Bankruptcy
Call Our Wage Garnishment Lawyers Serving Northbrook

The short answer to this question is yes — bankruptcy can stop your wages from being garnished, but first, it’s crucial to understand how wage garnishment works when it comes to bankruptcy. If your wages are being garnished, here’s what you can do.

What Is Wage Garnishment?

Wage garnishment happens when a creditor files a petition in court to sue you to receive a money judgment. Once your creditor has received a money judgment through the courts, they can then move forward with an order to garnish your wages.

Once this happens, the sheriff or marshal will forward the order to your employer and will be instructed on the portion of your wages that will be sent to your creditor. While this may sound like a harrowing experience, there are limits to how much can be garnished from your wages. If you suspect your wages will be garnished, contact a bankruptcy attorney in Northbook as soon as possible to learn your rights.

How Can I Stop A Wage Garnishment Immediately?

There are many ways to stop wage garnishment. If you want to be proactive, consider signing up for a free credit counseling session in your community. The counselor may be able to evaluate your situation and provide recommendations so that you may avoid a garnishment completely. Otherwise, you may:

  • Negotiate a payment plan with the creditor
  • File for bankruptcy — Chapter 7 or Chapter 13
  • Challenge the garnishment in court

How To Avoid Wage Garnishment

Chapter 7 bankruptcy may be an option to avoid your creditors from garnishing your wages. Once you are in Chapter 7 bankruptcy, an automatic stay will offer you protection from your creditors from taking further action in garnishing your wages. However, there are some exceptions in which certain debts are not protected under Chapter 7 bankruptcy.

What Is Not Included In Bankruptcy Protection

When it comes to wage garnishment, certain types of debt are not permitted to be included in Chapter 7 bankruptcy. This may include but not limited to the following debt situations:

Stop Your Garnishment With A Northbrook Wage Garnishment Lawyer

Are you facing wage garnishment? If so, contact Bach Law Offices, Inc. at (847) 440-5998 for a free consultation to learn your rights. With over 40 years of combined experience, we can handle the toughest of bankruptcy cases.

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Bach Law Offices, Inc.

Bach Is Your Financial Future.
Contact Us Today! (847) 440-5998