Wage Garnishments

Wage Garnishment Attorneys in Morristown

Serving Morris County and All Surrounding Areas

Keeping up with payments on a growing stack of bills is difficult when you are struggling financially. The debt trap can be especially hard to escape if your wages have been garnished. You may be left with so little that it is difficult to make ends meet, pay your bills, or provide for your family.

How to End Wage Garnishments

Filing a Chapter 7 or Chapter 13 personal bankruptcy provides a way to end wage garnishment and may even help you recover some of the money that was deducted from your paychecks. In this case, you will need to take action as swiftly as possible. Only the deductions made during the 90 days before filing bankruptcy can be recovered.

Bankruptcy and the Automatic Stay

In general, wage garnishments are halted once the automatic stay is put into place at the time you file for bankruptcy.

Once this occurs, you can expect the following:

  • All collection efforts from debt collectors will end
  • Creditors must petition the court with a valid and compelling reason to lift an automatic stay
  • Obligations such as alimony and child support payments are considered primary debts that are not covered by the stay
  • The automatic stay prevents wage garnishments until the case is discharged or dismissed
  • Creditors cannot resume garnishing wages if the underlying debt was discharged in a bankruptcy
  • Creditors can resume garnishments if a case is dismissed

Our Trusted Advisors Are Ready to Help

Ast & Schmidt, P.C. in Morristown has been helping people stop garnishments for decades. Our attorneys are highly skilled and committed to making the bankruptcy process as easy as possible. We can work tirelessly to ensure the automatic stay starts immediately so you can begin the path toward financial recovery and freedom.

If you would like to know more about these requirements and the other ways bankruptcy could reshape your financial future, please schedule a free consultation at our office by calling us at (973) 363-2260 today.

Past Clients Tell Us Their Stories

  • “Our first impression made us feel comfortable to talk to. They were willing to listen to our situation. They explained everything so we could understand and advised us which way we should go. We ...”

    - Dennis & Mary H.
  • “They were always understanding of our concerns and patient with our questions. Thank you all!”

    - Ann R.
  • “One that is there to help instead of someone who will treat you like another number. 5 stars isn't enough.”

    - M.H., Chapter 7 Client
  • “'m am very grateful to have hired this firm. It was smooth and now I can breathe again. Thank you, everyone, at Ast & Schmidt.”

    - Rich L.
  • “It's nice to know there are still qualified and concerned people in the world today.”

    - Patty R.

What Sets Us Apart

How We Can Help You 
Move Forward
  • Personalized Services Tailored for You
  • Over 30 Years of Bankruptcy Experience
  • Free Initial Consultations
  • Available After Hours by Appointment
  • Direct Advice from Our Attorneys
  • Realistic Expectations Provided

Begin Your Fresh Start

Our team has over 30 years helping clients.  Let us help you.
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