If you have your wages being garnished, it means that creditors have received a court order that allows them to take money out of your paycheck directly. Wage garnishment is a means for creditors to penalize you for struggling in this difficult economy. If you file for bankruptcy, you will be able to overrule that court order and your creditors will no longer be able to any action against you or any property you own.

The process of wage garnishment starts when a creditor files a motion to garnish your wages. The motion can then be made official with a court order and the debtor’s employer will then be required to garnish the employee’s wages. By filing for bankruptcy, you have a chance to be reimbursed for any lost wages taken out of your paycheck during that time.

If you want to stop your employer from withholding wages for your creditor, you will need to contact our bankruptcy attorneys to help you with this process. Chapter 7 or Chapter 13 bankruptcy may be the right solution for you. Chapter 7 would be a good fit if you do not have any major assets that need protection and you want to quickly eliminate your debt. If you want to keep all of your assets and think you could handle paying back your debt over time, then Chapter 13 may be a good fit.