When your wages are being garnished, it can feel like there's not a lot you can do. Typically with wage garnishment, your creditor has obtained a court order against you, so they don't have to negotiate with you or figure out a way to make the situation easier on you or your family.
Sometimes people will try debt consolidation programs to help them stop wage garnishment, but these tactics don't have the power of law behind them. So when you try going this route, it often doesn't make a difference, or doesn't solve the problem long-term.
Bankruptcy, on the other hand, does offer some big advantages when it comes to wage garnishment.
If you're facing wage garnishment, bankruptcy can put an immediate stop to it. That's one of the great benefits of bankruptcy: there's no waiting around to see results - once you file, the garnishment stops.
This is true for both Chapter 7 and Chapter 13 bankruptcy. So if you like the idea of stopping a wage garnishment but are also concerned about how bankruptcy could affect your house, car, or other debt issues, that's usually not a problem either.
The catch is when you sign up for a bankruptcy with an attorney who doesn't look out for you long-term. Some lawyers claim they'll do a bankruptcy for you for cheap, but then don't look at your whole case or take into account all of your concerns. They might charge a low retainer fee, and then nickle and dime you with add-on fees as your case progresses.
You need to make sure whatever bankruptcy attorney you choose is concerned about your unique situation and is willing to listen to your concerns as they work to help you.
If you need to stop a wage garnishment immediately, we can help. We move quickly and carefully to make sure garnishments end as soon as possible, and we look at each client's case on an individual basis so you get out of it exactly what you need.
Castle Law Office has been handling bankruptcies for Kansas City clients from more than 14 years. If you need the fresh start bankruptcy can provide, call us today at 816-842-6200 to speak with an attorney. Or you can email us and schedule your free consultation.