A Phoenix wage garnishment lawyer works to protect your hard earned money from being snatched by creditors. A creditor may garnish wages if you are unable to pay and typically after a judgment is taken against you. When this occurs, your employer will be legally obligated to pay your creditors a percentage of your paycheck–often up to 25%. You won’t even be able to see this money before it goes right into your debt.
In most cases, the wage garnishment process begins after you have been sued by a creditor, and the creditor takes a judgment against you; however, no lawsuit is required to collect federal student loans or taxes by a wage garnishment. After a judgment is taken by the creditor, the creditor can apply for a writ of garnishment. You should receive notice of a garnishment before it begins.
Once you receive notice of a wage garnishment, you may be able to challenge the judgment if you have a valid defense to entry of the judgment, in certain circumstances you may be able to reduce the amount garnished from your paycheck, you may be able to settle with the creditor, and you may be able to file bankruptcy to STOP the garnishment. For a free case evaluation and consultation with one of our attorneys, call 602-667-7777. Or fill out this FREE online form. You can also chat immediately with a knowledgeable representative by using our LiveChat feature.
How Can a Phoenix Wage Garnishment Lawyer Help Me?
We Offer Helpful Feedback & Advice
Wage garnishment is a complicated legal process. But, an experienced wage garnishment lawyer can help you understand all of your options and give you sound advice on the best way to move forward.
For example: Are you wondering if debt negotiation is the best option for you? Debt negotiation could make it possible for you and your creditor to reach a payment agreement that avoids garnishment and results in more manageable payments to help you slowly eliminate your debt. Unfortunately, this can be difficult to reach if the creditor already has the right to automatically receive their full payment from your paycheck.
Another option for you is to pay your entire debt balance. But, if you are facing collections, it’s probable that doing so isn’t a realistic possibility. In this example, you may better benefit from filing for bankruptcy.
We Can Help You File For Bankruptcy in Phoenix
A successful bankruptcy filing can stop your wage garnishment entirely and wipe out your obligation to pay certain debts.
There are two kinds of personal bankruptcy options our award-winning debt relief team assists with – Chapter 7 and Chapter 13. After carefully evaluating your individual financial circumstance during a free consultation, we’ll be able to recommend which one is best for you.
With Chapter 7 bankruptcy, wage garnishment is stopped, except in cases of child support or spousal support payments. If your debt is discharged, your garnishment will permanently cease.
Conversely, with Chapter 13 bankruptcy, garnishment for child support arrears and spousal support arrears will stop as the arrears are paid through a Chapter 13 Plan,
Need Wage Garnishment Protection from Creditors?
A Phoenix wage garnishment lawyer from Lerner and Rowe Law Group can significantly turn the tide when you’re facing creditors. So, reach out to us as soon as you receive your notice of garnishment (or before!) We offer award winning representation. And, with us, you can file for Chapter 7 bankruptcy protection quickly. We are available 24/7 to take your call at 602-667-7777, on LiveChat, or by filling out this FREE online form. Set up your free consultation today.
The information on this blog is for general information purposes only. Nothing herein should be taken as legal advice for any individual case or situation. This information is not intended to create, and receipt or viewing does not constitute, an attorney-client relationship.