By: Darrell Castle
If you’ve received a judgement and court order for your wages to be garnished because of missed payments on your bills, a bankruptcy attorney can help you with that.
In Tennessee, up to 25% of your wages can be garnished if the court hands an order of garnishment to your employer. If you’re having trouble paying your bills now, imagine trying to pay them without 25% of your current pay. Yeah, it seems hard to me too.
You can avoid that pitfall. By filing for bankruptcy, you can stop that wage garnishment before it happens.
Chapter 7 bankruptcy allows you to discharge your unsecured debts like credit card and medical bills without paying them back. In most cases, you can even keep your property – like your house or car – as long as you’re current on your payments.
You see, when the creditor files a lawsuit for the debts you owe, you’ll be notified to appear in court. Once the judgement is handed down, you’ll have 10 days before the creditor receives the order of garnishment to hand to your employer. This is a good time to talk to an attorney about filing bankruptcy to stop the wage garnishment.
Wage garnishments can last for a long time. Not only are you paying back the debt you owe from missed payments, but you’re also paying fees and interest rates on top of that. You’re paying much more money than you ACTUALLY OWE when your wages are being garnished.
Avoid that by contacting a bankruptcy attorney. With the advocacy of a liquidation lawyer Memphis, TN residents trust, bankruptcy can usually be completed within 3-6 months from the date of filing.
Darrell Castle & Associates has received multiple Client Distinction Awards from Martindale-Hubbell for client satisfaction because we have our clients’ best interest at heart and want to see them succeed financially.
That’s why we don’t just leave our clients hanging out to dry after their bankruptcy is complete. Instead, we help equip them with the tools they’ll need to succeed after.
For example, we proudly use Dave Ramsey’s Debtor Education course, a video course teaching users fundamental financial principles and tactics for success. This video course is not only practical and beneficial, but it’s very entertaining and will leave you smiling and laughing!
Call (901) 327-2100 today to schedule a free consultation or fill out one of the contact forms on this page. Let us help you with your wage garnishment.