Who can garnish my wages?
Any creditor who has secured a judgment against you may then get an order to garnish your wages. If you received a summons and didn’t answer or show up to your court date, the creditor likely got a default judgment against you. They will take that to the court to get the garnishment order. Your employer will be notified of the garnishment and it will start being deducted from your paycheck. You can fight this wage garnishment by filing Chapter 7 bankruptcy, Mesa Chapter 13 bankruptcy, $0 Down Bankruptcy, Emergency bankruptcy, Bankruptcy by Phone, or by contacting your Mesa garnishment lawyer for assistance.
How can I use Chapter 7 Bankruptcy to stop a Wage Garnishment?
Once you file your Chapter 7 bankruptcy, an automatic stay of protection goes into effect. The automatic stay protects you from various forms of debt collection, including a wage garnishment. As long as you file before your payroll period ends, the garnishment shouldn’t be taken out of your next paycheck. If you were being garnished for a dischargeable debt, such as credit cards or medical bills, the garnishment will be stopped permanently. If the garnishment was for a non-dischargeable debt, such as student loans or back taxes, the garnishment will resume once your bankruptcy is discharged if you don’t make arrangements with the creditor.