Keep Creditors Away From Your Paychecks
Creditors can take legal action to recover debts you owe, including liens against your property or garnishment of your wages. A key benefit of filing for bankruptcy is an immediate block against attempts to siphon your paycheck.
The David F. Cannon law firm can take swift action to prevent or suspend wage garnishment. Our Nashville law firm has helped debtors throughout Middle Tennessee stop aggressive recovery actions and creditor harassment. In some cases, those debts or judgments can be eliminated altogether through bankruptcy. Contact us today to learn how we can help.
Stop Wage Garnishment: Nashville Bankruptcy Attorney
By law, creditors can garnish up to 25 percent of each paycheck to satisfy debts. Filing for bankruptcy invokes an automatic stay requiring all creditors and third-party collection agents to stand down. This applies to all collection efforts, including wage garnishment. If your wages are already being withheld, the clerk of court will issue a stop order upon notice of your bankruptcy petition.
Chapter 7 bankruptcy stops garnishments, at least temporarily. It also discharges unsecured debts such as credit card balances or medical bills, in which case those creditors can no longer pursue garnishment or other collections.
However, bankruptcy cannot discharge child support, alimony, student loans, most taxes, criminal fines or judgments for injury or death. In a Chapter 13 bankruptcy, arrears on these obligations can be spread out over time without penalty.
Debt Collection Protection Lawyer in Tennessee
David Cannon is a board-certified specialist in bankruptcy law, and has handled thousands of consumer and small business bankruptcies since 1991. He can help you stop wage garnishment and debt collection and maximize the benefits of bankruptcy to help you get back on track financially.
Call 615-800-3725, toll free at 877-696-8680, or e-mail our law office today to arrange a confidential consultation.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
