If your wages have been garnished as a result of overwhelming debt, this can be one of the most frustrating circumstances. A wage garnishment occurs a creditor obtains a judgment against you because of a lack of payment of a debt you owe. The creditor can go to court to get the order of garnishment which forces your payments to go straight to the creditor, without you having access to the money. If this has taken place and you want a solution to this issue, a Charlotte bankruptcy lawyer from our firm can help you file for Chapter 7 bankruptcy.
In many cases, filing for Chapter 7 bankruptcy can put an end to wage garnishment. After filing for bankruptcy, the garnishment on your wages should immediately end. Under the law, you are immediately protected from your creditors after filing. An "automatic stay" is placed on your record, which demands that all acts of collection cease. An emergency filing may help if you are in desperate need of having the garnishment cease. In addition, filing for Chapter 7 should take care of the issue so that the garnishment does not begin again.
Our Charlotte wage garnishment lawyers from the Law Office of Jack G. Lezman, P.A. can help you know what information you need to successfully file. We can help you know whether filing under Chapter 7 is best for your situation. Depending on your circumstances, there may be a different solution to your wage garnishment issue. If you can qualify for Chapter 7 through the means test, it might be the best option. If you do not qualify, your wage garnishment can be solved through Chapter 13 bankruptcy. Contact our firm to learn more about how bankruptcy can stop your wages from being garnished!