Your wages are being garnished. Some kind of agency has contacted your employer and instructed them to pull a certain amount from your paycheck and send it to them instead. You get less for your work in every paycheck. It seems unfair and seemingly robs you of the one tool you have to help you get on top of your debt problems: your income. Is there anything you can do to stop this?
If your wages are being garnished or if you think this is likely to happen, talk with our lawyer as soon as possible. At The Law Office of Robert J. Pinnero P.C., our attorney has more than 25 years of experience finding a range of debt-relief solutions for clients in Albany and the surrounding areas of Georgia. We take a compassionate, understanding and creative approach with each client.
What Is Wage Garnishment?
Wage garnishment occurs when a creditor to whom you owe money hires a collection agency, and that agency collects a portion of your regular paycheck to satisfy your debt requirements. There are limits to how much they can pull, and there are strict legal requirements that need to be satisfied before a collection agency can garnish your wages, but the practice is completely legal. Further, your employer is legally prohibited from refusing to pay the collections agency.
Is There Anything You Can Do?
In most cases, if your wages are being garnished or if there is a chance for this happening, the first step is to file for Chapter 7 bankruptcy or Chapter 13 bankruptcy relief.
When you file for bankruptcy, the automatic stay goes into effect. The automatic stay stops all collections activities from collectors. This includes wage garnishments, whether your wages are already being garnished or if this is about to happen.
With bankruptcy, you could eliminate the debts that are causing the garnishment or perhaps you could reorganize your debts in a way that makes it more possible for you to get caught up on your payments.
Contact Us To Discuss Your Options
Even if your wages are being garnished, you have legal options. The best thing to do is talk with an attorney from our firm to discuss the possibilities. We can help you understand your available choice. Call us at 229-436-9661 or send us an email to schedule your free initial consultation.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.