Debt Happens to Good People.
As a wage garnishment lawyer Memphis trusts, I’ve been helping folks with wage garnishment for more than thirty years.
Debt can, and does, happen to the best of us. I’ve seen all kinds of good people struggle mightily with debt that is no fault of their own. Medical emergencies can produce enormous bills. Getting an education can mean being saddled with student loan debt for years. Losing a job to the coronavirus pandemic can mean relying on credit cards.
The worst part is that debt is a self-perpetuating cycle. It is often impossible to get out of on your own. Wage garnishment, in particular, can feel like quicksand.
What Is Wage Garnishment?
Wage garnishment is a legal procedure in which a person’s earnings are required by court order to be withheld by an employer for the payment of a debt.
In Tennessee, a garnishment can take up to 25% of your net pay. For someone struggling financially, that could be money that is desperately needed.
But you do not have to suffer from wage garnishment. There is a way out.
You Can Stop Wage Garnishment
The best way to stop wage garnishment is to file a bankruptcy; a Chapter 7 to discharge the debt or a Chapter 13 to organize it.
Bankruptcy is enormously misunderstood. Some vilify it as though it will destroy your life. But, in fact, bankruptcy is the only option that has the power of federal law to back it up. It requires creditors to comply.
That means there will be no more creditors calling you and no more negotiations with debt settlement companies. It puts an immediate stop to wage garnishment, as well as repossession and foreclosure. Bankruptcy will interrupt your cycle of debt and give you relief from even the most impossible situations.
Wage garnishment can be devastating, so if you are at all behind on payments, it’s best to seek legal help sooner rather than later.
Talk to a Wage Garnishment Lawyer Memphis Trusts for FREE.
If you’re facing bills you can’t pay and you need a way out, we are here to help. My carefully-chosen team at Darrell Castle & Associates, PLLC works quickly and carefully for our clients, and we’ll do the same for you.
As a wage garnishment lawyer Memphis has trusted for over 30 years, we can answer every question you have. Call my office at 901-327-2100 or contact me online to set up an appointment that is absolutely FREE. It would be my privilege to show you how we can help.