A judgement was made on May 8, 2008 for wage garnishment and now they have contacted my employer for the garnishment. I currently have child support being taken from my wages also. I have a new home and mortgage and cannot afford to allow this garnishment to happen. Is there anything I can do to stop this garnishment of my wages?
You should talk to an an attorney right away. You should explore bankruptcy because the automatic stay would stop the garnishment and the discharge would get rid of the debt permanently...if you qualify for bankruptcy. Only an attorney who knows all the facts regarding you financial affairs can tell you if bankruptcy is a good idea.
Most court's also have procedures to limit the amount of a garnishment if it would cause a financial hardship for you. A local attorney might also be able to help you reduce or eliminate any additional garnishment using those procedures.
First, the firm is a debt relief agency according to the U.S. Bankruptcy Code. We help people file for bankruptcy. We also do other stuff and we do it well, but Congress wants me to post this notice. Second, nothing on this site is legal advice. You are not my client unless you enter into a written agreement signed by you and me.
But the judgment is not past enforcement. You need to contact a bankruptcy attorney to help you with this matter before your wages are garnished and you fall behind on everything,
Court judgments last a long long time & can be renewed so that like a vampire, they have virtually an endless existence. In addition, because a large portion of the money taken by garnishment goes towards paying administrative costs, you may never be able to pay off this debt. If you are willing to consider bankruptcy because you have a large amount of other debt, this could be a good choice, or if you can get your hands on a lump sum of cash, you could offer to settle for a reduced amount. Hope this perspective helps!
This really sounds like the question is *which* form of bankruptcy you should be filing, 7 or 13.
How old the debt is doesn't matter; it matters at the time of suit. Once judgment is rendered, it can be renewed every six years until paid.
I can usually get people in for same or next day appointments.
Besides considering bankruptcy there may be another option that has not been previously discussed. In some cases, while the court will not reduce the overall judgment, the Court can reduce the percentage of the amount of money that is taken out of your paycheck if you can show a hardship. Another option is to contact the debt collector and attempt to settle the debt with a lump sum payment. Most creditors prefer having one bird in the hand rather then two in the bush. I would strongly suggest that you contact an attorney who gives you several options to explore rather then one.
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