Stop Garnishment

Wage Garnishment – How to Stop It

Wage garnishment is often the tipping point for people facing serious debt issues. It is possible to ignore the harassing telephone calls. You can throw that collection letter onto the pile with all of the other unopened letters.  But when your employer calls you in to let you know that they have received a garnishment and will have to start garnishing your wages, you can no longer delay dealing with your debt problem.

Under Arizona law a creditor that has obtained a judgment against you can then ask the court to issue a writ of garnishment that will allow them to start garnishing your wages.  And it doesn’t end there.  If the creditor knows where you bank, they can garnish the money in your bank account.  In Arizona creditors can garnish up to 25% of every paycheck and take nearly every penny out of your bank account.  If you are living paycheck to paycheck a garnishment can be disastrous.

Stop the Garnishment Now!

Bankruptcy will stop the garnishment of your wages and stop the garnishment of your bank accounts.  Immediately after you file for bankruptcy the bankruptcy court will issue an order that stops all collection efforts against you and your property.  This means that not only will your paycheck or bank account not be garnished, but that your creditors will no longer be able to call you on the telephone, send you collection letters, sue you, or even foreclose on your home.

Don’t wait until it is too late.  If you have been sued or if a creditor has already obtained a judgment against you, don’t delay any further.  The longer you ignore the problem the greater the chance that your wages will be garnished or the money in your bank account will be seized.

If you are facing a garnishment, I offer a free bankruptcy consultation where we can discuss your specific situation, help you understand the bankruptcy process, and make the garnishment stop.

Arizona bankruptcy attorney John Skiba can be reached at (480) 420-4028 or via email at jskiba@skibalaw.com.