Tucson Wage Garnishment Lawyer
Stop Wage Garnishment in its Tracks
When debts are delinquent, some creditors take aggressive action by suing you in court to obtain their money. Once a judge signs the court order, either your bank account or your wages may be garnished to pay back the debt.
The creditor doesn’t care if the debt is from a credit card, an unsecured personal loan or for a medical emergency. All the creditor cares about is the money.
Perhaps you have been ill for many months, or have a short-term illness but are one of 50 million Americans without health insurance. You are worried about garnishment because you can’t pay your medical bills.
A trusted attorney at Law Offices of Matthew Foley, PLC, can eliminate your hospital bills in a Chapter 7 bankruptcy and immediately stop all garnishment actions through an automatic stay.
An attorney at our firm who is adept in both consumer and bankruptcy Law can protect you against creditor harassment and wage garnishment. He can put a stop to wage garnishment through a Chapter 7 or Chapter 13 automatic stay. By filing for Chapter 7 bankruptcy, your debt will be forgiven and the slate wiped clean. In a Chapter 13 bankruptcy, you will be able to pay your debts within 3 to 5 years, at a rate you can afford.
Receiving an Automatic Stay
If you are already in financial distress, the prospect of having your wages garnished or your property seized is even more troubling. Once you file for either Chapter 7 or Chapter 13 bankruptcy, the court will order an automatic halt to all collection activity.
The Automatic Stay instantly stops your creditor from:
- Seizing your income from your paycheck or bank account
- Filing a lawsuit against you
- Going forward with a pending lawsuit
- Harassing you for payment or contacting you
In addition, once your debts are discharged by the bankruptcy court, your creditor loses his right to garnish your wages or take any other action against you for the debt.
Please note that the automatic stay does not apply to certain obligations, such as alimony or child support payments.
When to Take Action
If you have been notified by a creditor that a lawsuit is imminent, it is time to take action. Ignoring a court notice can result in a default judgment, which means the creditor “wins” and is free to proceed with garnishment.
Contact the Law Offices of Matthew Foley to Stop Wage Garnishment
You work hard for your money and deserve to be fully compensated. Take action early to avoid garnishment by calling us at (520) 404-0529 for a free consultation. Our Pima County bankruptcy lawyers can meet with you to discuss your options.