Stop Wage Garnishment Through Bankruptcy
When your debt problem reaches the point where your creditors start garnishing your wages, it is time to take action. You may feel like you have nowhere to turn, but an experienced attorney can help. At the Shreveport, Alexandria, and Monroe law offices of McBride & Collier, we can help you put an end to wage garnishment by filing for consumer bankruptcy. Do not wait to get the help you need and the debt relief you deserve.
Securing Your Future
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In Louisiana, creditors can garnish up to 25 percent of your wages in order to pay an outstanding debt. When you file for consumer bankruptcy, you will receive an automatic stay, which will immediately stop all or most wage garnishments, depending on what type of bankruptcy you file:
- Chapter 7 bankruptcy will stop all wage garnishments with the possible exception of some tax liens, child support and student loans.
- Chapter 13 bankruptcy will immediately stop all wage garnishment (except child support payments).
Many consumers know they can stop wage garnishment through bankruptcy, but are afraid they will lose everything else. That is simply not true. Wage garnishments force you to succumb to a payment plan determined by your creditors. When you file for Chapter 13 bankruptcy, you can come up with a payment plan that you can afford, based on your debts and income.
In addition to stopping wage garnishment, your automatic stay will also put an end to creditor harassment and stop all foreclosure and repossession actions.
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If your creditors have begun garnishing your wages, filing for bankruptcy can provide both immediate and long-term relief. From offices in Shreveport, Monroe and Alexandria, our lawyers are ready to talk to you face to face and come up with a plan that works for you. We offer flexible payment options, so contact us today to schedule a free initial consultation and find out more.
