Garnishment is a legal process through which a creditor can collect money that is owed to them from a debtor’s wages or bank account. In most states, creditors must obtain a court order before they can garnish a debtor’s wages. If you are facing garnishment, it is important to seek legal counsel as soon as possible to discuss how you can stop a garnishment.
Understanding Garnishment and How to Stop It
In most states, creditors must obtain a court order before they can garnish a debtor’s wages. Once a court order has been obtained, the creditor can then instruct the debtor’s employer to withhold a certain amount of money from their paycheck each month and send it to the creditor. Alternatively, the creditor can instruct the debtor’s bank to freeze the debtor’s account and allow them to withdraw only the amount that is owed.
If you’re facing garnishment, you may be feeling like you’re out of options. But there are actually a few things you can do to stop the process.
First, you can try negotiating with your creditor. If you can come to an agreement on a payment plan, they may be willing to forgo the garnishment. You can also try asking for a hardship exemption. This allows you to keep a certain amount of your income, based on your financial situation. Finally, you can try filing for bankruptcy. This will stop most collection attempts, including wage garnishment. However, it’s important to speak with an attorney before taking this step, as it can have serious long-term consequences.
Why Choose Freedom Law Firm?
When you are facing garnishment, it can feel like your financial life is spiraling out of control. We will negotiate with your creditors to try to get the garnishment reversed, or we may be able to negotiate a payment plan that is more manageable for you.
To find out more about how our wage garnishment lawyer, call us at 702-880-5554 or fill out our online form to schedule a free consultation.