Stop Your Wage Garnishment!

If wage garnishment is making it impossible to get by, our Olympia bankruptcy lawyers can help.

If you’re being sued by a creditor, you need to fully understand the stakes. If you fall so far behind on bills that wage garnishment may become a reality, your situation is about to get a whole lot worse. If you’re barely scraping by now, what’s going to happen when your paycheck is 25% lighter?

Wage garnishment issues are complicated, but our Olympia bankruptcy attorneys can help. First, respond to the lawsuit, which will buy you some time to consider your options. Next, contact one of our Thurston County bankruptcy lawyers and find out if you qualify to file Chapter 13 or Chapter 7. If so, you can stop wage garnishment in its tracks, eliminate debt, and get a fresh start financially.

Now, it should be noted that there are a few types of debts that are not dischargeable in a Chapter 7 bankruptcy. These include most student loan debts, child support, and some back taxes. For Chapter 13 cases, however, it’s critical to remain in compliance with your payment plan. So long as you do so, all wage garnishments will be stopped by the automatic stay.

Our Thurston County wage garnishment lawyers not only serve Olympia, but all surrounding cities as well. These include but are not limited to the cities of Lacey, Tumwater, Yelm, Rainier, and Rochester.

Wage garnishment can make it impossible to ever get back in the black.

Filing for bankruptcy typically stops all debt collection, including wage garnishment. The primary exception to this rule in a Chapter 7 bankruptcy are noted above. If you’re being sued by a creditor, failure to respond could motivate a judge to approve wage garnishment in as little as two weeks. Instead of ignoring a wage garnishment lawsuit or a formal judgment, you should find out whether you qualify for bankruptcy.

If you owe money to a creditor, they are going to do whatever they can to get paid regardless of whether you have any money to spare. Sadly, most people that fall behind on bills got sick or got laid off from work. Even though it’s not their fault, creditors are still going to pursue all avenues for repayment. Bankruptcy is a way to stop wage garnishment, restore good credit, and put an end to telephone harassment.

Wage garnishment for unpaid medical bills or credit card debt can be especially devastating. A decrease of 25% of your earnings could mean falling behind on your home mortgage and car payments. If you fall behind on those, your car could be repossessed, and your home foreclosed upon. Our Olympia bankruptcy attorneys can help you avoid these scenarios, so contact us for a free consultation today.

Olympia, Washington, wage garnishment, and you.

As an Olympia resident, you probably love living and working in this great city. However, if your wages are garnished, you’re going to enjoy it a lot less. Wage garnishment laws can be confusing, which is why it’s a good idea to talk to a lawyer so that you can address the issue head-on. This Washington State Government page by the Office of Financial Management is full of legal information you may find informative if you’re dealing with any wage garnishment problem.

Olympia residents that file for bankruptcy do so in the U.S. Bankruptcy Court for Western Washington. The court’s website is full of useful information you should review when you get a chance. For example, this page about obtaining a writ of garnishment is worth reading. When you’re done, contact one of our Olympia wage garnishment lawyers for more information.

Address wage garnishment lawsuits immediately.

If a creditor is suing you to obtain a wage garnishment, they are seeking a judgment. And, it is absolutely imperative that you file an answer with the court immediately to ensure that your legal rights are properly preserved and that you aren’t being overcharged. Creditors are allowed to garnish up to 25% of your paycheck here in Washington State, but they can’t touch your social security, unemployment compensation, or public aid.

If you’re at this point, perhaps you should have already considered bankruptcy. Often people who fall behind on bills are simply trying to be honest and doing their best to pay back what they owe. However, there is a point where you’re paying more on interest than you are on the principle. If this happens, recovery is impossible. When 25% of your wages are being garnished, the situation becomes entirely hopeless. If you wait too long to file, the money you lose to wage garnishment can never be recovered.

If you’re already dealing with a wage garnishment, you owe it to yourself to discuss your options with one of our Thurston County bankruptcy lawyers. We can petition the court for bankruptcy protection and stop all qualifying wage garnishment actions, lawsuits, and judgments so long you qualify for either a Chapter 7 or a Chapter 13 filing. You may even be able to recover wages that were garnished during the last 60 days.

Stop your wage garnishment today by contacting one of our Olympia bankruptcy lawyers for a free consultation.

Of the many techniques used by lenders and collection agencies, wage garnishment is the most heartless. You can put a stop to wage garnishment by filing for bankruptcy. Contact one of our experienced lawyers today for a free consultation and let us help you take the next step.

(360) 350-4830