5 Ways To Stop Wage Garnishment in Bankruptcy

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Learning How Stop Wage Garnishment in Bankruptcy in Missouri

Wage garnishment can be stopped and you can get the new start you need to take back control of your money by filing for bankruptcy. However, managing the bankruptcy proceedings can be difficult; here is where a knowledgeable Missouri bankruptcy attorney can help. Missouri bankruptcy lawyers can lead you through the ways how to stop wage garnishment in bankruptcy in MO to achieve financial freedom.

Here, we will discuss 5 most common ways to Stop Stop Wage Garnishment in Bankruptcy:

  • File for Bankruptcy
  • File a Claim of Exemption
  • Work with your Creditor
  • Challenge the Garnishment
  • Obtain a discharge

It is crucial to seek the advice of a qualified bankruptcy lawyer if you are subject to wage garnishment. Missouri bankruptcy lawyers can assist you in navigating the legal system, understanding your alternatives, and developing a strategy to end salary garnishment and reclaim control of your income. 

Roach Bankruptcy Center, LLC has knowledgeable and reliable bankruptcy lawyers that can help you navigate the legal system. Remember that bankruptcy is not a fix-all, but with the correct legal advice, you can determine the best course of action for your particular circumstance.

What is Wage Garnishment?

With the use of a court order or other legal authority, a creditor may legally demand that your employer withhold a portion of your salary in order to satisfy a debt you owe. This practice is known as wage garnishment. This implies that until the debt is entirely paid off or the court order is withdrawn, a predetermined portion of your paycheck will be withheld and forwarded to the creditor.

When you declare bankruptcy, an automatic stay is triggered, stopping most collection efforts against you right away, including wage garnishment. Wage garnishment can be assisted by Missouri bankruptcy attorneys by offering legal assistance during the bankruptcy process. 

You can get help from reputable bankruptcy lawyers at Roach Bankruptcy Center, LLC if you have questions about wage garnishment during bankruptcy.  Our Missouri bankruptcy attorneys can assist you in navigating the complex legal system, understanding your options, and deciding whether bankruptcy is the best decision for your financial position. 

5 Common Ways to Stop Wage Garnishment:

Wage garnishment can be a difficult and unpleasant experience for people with financial difficulties. We can halt income garnishment and reclaim control of their finances by taking certain steps. In this post, we’ll look at a few methods people might employ to stop having their wages garnished and get on the road to financial security.

1. File for Bankruptcy

Depending on the type of bankruptcy you are eligible for, you might be able to start a new payment plan that fits your budget or have some of your assets liquidated to pay off some of your debt and have the remaining amount erased. There are provisions in both Chapters 7 and 13 of the Bankruptcy Code that can assist in preventing wage garnishment.

The automatic stay clause kicks in as soon as the bankruptcy petition is filed in a Chapter 7 bankruptcy. The automatic stay halts the majority of debtor collection efforts, including wage garnishment. However, other payments, such as child support and alimony, are not covered by the automatic stay, and wage garnishment for these sorts of debts may continue even during the bankruptcy procedure.

In Chapter 13 bankruptcy, the debtor agrees to a three to five-year repayment schedule. The automatic stay provision is in effect at this time, and wage garnishment is halted. A trustee receives regular payments from the debtor and disburses the money to creditors in accordance with the terms of the plan. Any remaining qualified debts are discharged at the end of the repayment period, making the debtor no longer legally liable for them.

2. File a Claim of Exemption

The ability to shield a portion of one’s income and assets from being seized by creditors by submitting a claim of exemption can assist people in stopping wage garnishment. The creditor will no longer be able to garnish the protected portion of the debtor’s income once a claim of exemption has been submitted and granted. It’s crucial to remember that if the debtor’s income exceeds the protected level or if the creditor has other options for collecting the debt, wage garnishment may still continue.

3. Work with your Creditor

Working with your creditor to create a payment plan or settlement agreement that settles the debt without using wage garnishment can help you halt wage garnishment. The creditor might be more open to working with you to find a solution that prevents wage garnishment if you communicate with them and show them that you are prepared to pay the bill. Additionally, if the debtor agrees to enroll in a debt management or credit counseling program, some creditors could be willing to cease wage garnishment. It’s crucial to keep in mind that not all creditors may be open to bargaining, and wage garnishment may be required if the debtor is unable to pay the amount.

4. Challenge the Garnishment

You can stop wage garnishment by contesting the legitimacy of the garnishment order by filing a challenge to the garnishment. It may allow you to discuss a settlement arrangement or payment plan with the creditor.  It’s crucial to remember that contesting the garnishment can be a complex legal process and might need legal counsel.

5. Obtain a discharge

Due to the fact that it relieves you of the duty to pay certain debts, such as those discharged in bankruptcy, getting a discharge might assist you in halting wage garnishment. When you file for bankruptcy, an automatic stay is triggered, stopping most forms of collection, including wage garnishment. The creditor will no longer be allowed to garnish your earnings if your debt qualifies for bankruptcy discharge. There are restrictions for qualifying and not all debts can be discharged in bankruptcy.

Due to their legal skill and understanding of the intricate bankruptcy procedure, bankruptcy attorneys can be crucial in avoiding salary garnishment. Working with a bankruptcy attorney, people can investigate their alternatives for debt relief, design a strategy to end wage garnishment, and regain financial stability.

Call our Missouri Bankruptcy Lawyers Now!

For those who are suffering from debt and facing wage garnishment, bankruptcy is an option to stop the garnishment. It offers a chance for a new beginning and financial security. It can be difficult to navigate the bankruptcy procedure, so hiring a knowledgeable bankruptcy attorney is essential. 

Roach Bankruptcy Center, LLC has reliable and knowledgeable lawyers that can help provide you with the following services:

  • Financial situation evaluation
  • Bankruptcy filing
  • Court representation
  • Negotiate protection with creditors
  • And other bankruptcy attorney services

You can stop wage garnishment through bankruptcy with the assistance of Missouri bankruptcy lawyers. They can guide you through the complex bankruptcy process and provide you with the best result for your financial position. Reach out to us today for a free initial consultation!

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