Wage Garnishment & Creditor Harassment

Stop Wage Garnishment And Creditor Harassment

When creditors attempt to seize your wages, (wage garnishment), it can be both humiliating and financially devastating. You depend on your wages to pay for living expenses. Creditors can gain the legal right to garnish your wages and seize assets through a civil judgment and writ of garnishment, which gives them the right to take control of a percentage of wages through anexecution of judgment.

You have a powerful tool to stop them: Bankruptcy halts most civil judgments and garnishments, except for those related to fraud or other intentional misconduct, including those relating to wages and bank accounts. In fact, under bankruptcy laws dealing with “avoidable preferences”, you can sometimes recover wages garnished within 90 days prior to your bankruptcy filing.

Stop Creditor Harassment

Creditor harassment increases the already high level of stress that accompanies overwhelming debt. How can you legally prevent creditors from contacting you? If creditors are harassing you, we can work to quickly stop all letters, calls and other harassment tactics.

How? Because federal consumer protection and bankruptcy laws provide strong protection against creditor harassment. Creditors are barred from contacting you from the day you file for bankruptcy. Once you file for bankruptcy protection, credit card companies, collection agencies, car dealerships, banks and mortgage lenders break the law if they choose to contact you regarding debt collection.

Even before you file for bankruptcy, creditors will most often cease to harass you. Instead, they will contact your bankruptcy attorney. Once you retain us to handle your bankruptcy case, we can effectively stop further creditor harassment. Even if you choose not to file, we can pursue legal action against your creditors if they are violating consumer protection laws.