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.