Let our Bankruptcy Attorneys Help Stop Wage Garnishment from Eating Up Your Paycheck!
If you’re reading this, you may already be suffering financially from an “earnings withholding order” or wage garnishment. It’s hard enough to make ends meet when you’re struggling with credit card debts, medical debts, student loans, and maybe even tax debts, but when a creditor sues you and gets a judgment against you, they can then garnish up to 25% of your wages in California. We can help stop a wage garnishment with the protections offered by filing bankruptcy. Debt consolidation companies cannot stop wage garnishment.
With the exception of a wage garnishment to collect a domestic support obligation such as child support, filing Chapter 13 bankruptcy or Chapter 7 bankruptcy in San Jose will prevent a judgment creditor from continuing to garnish your wages.
By Filing for Bankruptcy Protection, We Can Even Recover Some Wages Already Garnished
We have recovered tens of thousands of dollars from judgment creditors that were garnished from our clients’ paychecks before filing bankruptcy. In most cases, we can force a creditor to return money taken from our clients during the ninety days prior to the bankruptcy filing date. We love to call our clients to let them know we have a check waiting for them for wages garnished from them. This makes our day, and it certainly makes our clients’ day.
No debt consolidation company or debt settlement company can recover garnished wages for you. Bankruptcy law provides protections for debtors that simply do not exist in private debt settlement schemes.
It is critically important not to delay filing bankruptcy if you have a wage garnishment, though, because the law does not allow us to recover wages garnished more than ninety days before the bankruptcy case is filed with the court. To stop wage garnishment and recover wages recently garnished, call us now!
But I Don’t Even Recognize Who Sued Me!
We know. We hear this all the time. A judgment creditor is someone who has sued you to collect old debt, most often old credit card debt, debt from a car repossession, or medical debt. Usually the judgment creditor is a debt buyer—one of a handful of companies that purchase old consumer debts for pennies on the dollar. Though the original debt may have been for a credit card issued by Wells Fargo, Bank of America, Chase or some other major bank, you won’t recognize the company suing for the debt. That’s because these debt buyers doing the suing go by names like CACH, LLC, Midland Funding, LLC, Cavalry Spv I, LLC, LVNV Funding, LLC, among others. The debt buyers sue to collect old consumer debts, and they depend on the fact that most often the person being sued won’t respond with a written Answer filed in the court where they suit was filed.
Don’t delay. To stop wage garnishment, you need bankruptcy protection. Let us help you now. Get a fresh start from debt and never look back. Our San Jose bankruptcy lawyers are here to get you that fresh start.
