STOP WAGE GARNISHMENTS
If you are like most Americans, you live pay check to pay check and any interruption in your income can have a devastating impact. A wage garnishment is a court order directing your employer to withhold monies from your wages to satisfy a judgement against you. For the most part, a garnishment will require your employer to withhold up to 25% of your after-tax earnings.
The first reaction of many clients to a wage garnishment is to dispute the underlying judgment against them. However, it is very difficult to “unring” the bell after a judgment has been validly entered against you. But a bankruptcy can stop the garnishment altogether.
Once a bankruptcy petition has been filed, your employer must stop any further garnishment of your wages. As a matter of course, after filing your bankruptcy, our firm will provide you with a copy of the Bankruptcy Notice which can be submitted immediately to your company’s pay roll department rather than your employer having to wait for notice to be mailed to them from the Bankruptcy Court.
It is important to note that while a judgment is necessary for most wage garnishments, some garnishments do not require a judgment. In some instances, taxes, child support and student loans can garnish your wages without first getting a judgment. In addition, while employers are generally prohibited from terminating an employee for one garnishment, they may terminate you if you have more than one judgment. To discuss bankruptcy as a means to stop wage garnishments,
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With the LAW OFFICES OF MARK A. BANDY, P.C.