If you are unable to make certain debt payments, a Tucson wage garnishment lawyer may be able to help stop harassing creditors. If one of these creditors takes a judgment against you, they have the legal right to garnish – or take – up to 25% of your hard earned paycheck. This garnishment happens before the money even arrives in your bank account, leaving you with a smaller paycheck and a tougher time making ends meet.
As such, filing for bankruptcy might stop the garnishment of your wages immediately. But first, you will want to consult an experienced Tucson garnishment attorney from Lerner and Rowe Law Group. Read on to find out more about wage garnishment and how you might stop it from disrupting your life.
Wage Garnishment in Arizona: What it Means for You
In Arizona, creditors can garnish up to 25% of your disposable earnings. egardless of this percentage, the debtor must be left with at least 30x the minimum wage per week. Here are a few other things to know about wage garnishment in Arizona:
- In some cases, a creditor might attempt to garnish your bank account. In this case, the percentage rule does not apply, and the creditor may be able to take more than 25%.
- If you are behind on student loans or taxes, creditors do not need a lawsuit to begin garnishing your wages.
- Following a judgment, a creditor need only apply for a writ of garnishment. You will receive a notice before they take your money. When you receive this, call Lerner and Rowe Law Group right away.
When you call, we will set up your free case evaluation and consultation. It is at this point that we will begin to assess your situation, and consider your best options. We may suggest that you consider debt negotiation, where you and your creditor reach a payment agreement. If you can agree on new terms, you may avoid wage garnishment. However, if your creditor already has the legal right to receive their money guaranteed, it will be difficult to reach this agreement. In this case, it may be best to file for bankruptcy.
Related Article: Can I File Bankruptcy Without an Attorney?
Bankruptcy Stops Wage Garnishment
If debt negotiation is not an option, and you are unable to pay off the rest of your debt, a Tucson garnishment attorney will advise you on filing for bankruptcy. You will have two options for filing for bankruptcy: Chapter 7 and Chapter 13.
- Filing under Chapter 7 will allow you to immediately STOP a wage garnishment and allow you to discharge most of your unsecured debts.
- Filing under Chapter 13 will also STOP a wage garnishment and allow you to reorganize your debts over a 36-60 month period.
Wondering which option is the best for you? Contact our Tucson bankruptcy lawyers today.
Related Article: Do I Qualify for Chapter 7 Debt Relief in Tucson?
Contact the Tucson Bankruptcy Lawyers at Lerner and Rowe Law Group
Our team of bankruptcy lawyers is ready to work with you and your family, and get you back on your feet. To set up your free consultation, call 602-667-7777 any time of day or night, 24/7. Or, text through our handy LiveChat feature. You can also fill out this FREE online form.
Don’t let creditors garnish your wages! Utilize the help of the knowledgeable bankruptcy attorneys at Lerner and Rowe Law Group today.