Law & Legal & Attorney Bankruptcy & consumer credit

Tacoma Bankruptcy Attorney Can Help Stop Wage Garnishment

Wage garnishment involves having money taken from your paycheck before it is paid out to you. Wage garnishments can happen when someone gets a judgment against you for unpaid debts or other money owed to them, and they can be extremely burdensome as you may be losing out on money that you need to support yourself and your family.

For those living in Tacoma, bankruptcy attorneys can help to stop wage garnishment by assisting you in exploring different bankruptcy options that are available.

How a Tacoma Bankruptcy Attorney Can Help Stop Wage Garnishment

A Tacoma bankruptcy attorney can help to put an end to wage garnishment because the bankruptcy law stipulates that creditors have to stop collections activities on debts when bankruptcy papers are filed. In other words, creditors cannot pursue a wage garnishment after a Tacoma bankruptcy attorney files your bankruptcy papers for you. This is because bankruptcy imposes something called an automatic stay.

When the bankruptcy filing stops your wage garnishment in Tacoma, bankruptcy attorneys can then help you to continue with the bankruptcy so that the debt you owe is resolved once and for all. At the end of your bankruptcy, you should no longer owe the debt that you were delinquent on and that was leading to your wage garnishment. This means that filing for bankruptcy is more than just a temporary solution to wage garnishment: it can put a permanent end to it.

In Tacoma Bankruptcy, Attorneys Help Resolve Debts

In a Tacoma bankruptcy, attorneys will explain to you the different options you have for resolving your debt and ending wage garnishment. For example:
  • If you file for bankruptcy protection under Chapter 7 of the bankruptcy code, you can have debts discharged. You will not have to repay anything after the bankruptcy is finalized (unless you have debt not covered by bankruptcy such as student loan debt or debts due to unpaid child support). With the help of your Tacoma bankruptcy lawyer, therefore, your wage garnishment will end since creditors will no longer be allowed to make any efforts to collect on discharged debt.

  • If you file for chapter 13 Tacoma bankruptcy, attorneys will assist you in including your debt in a repayment plan. This repayment plan can last anywhere from three years to five years, and should cover all of the eligible debts you owe. As such, with the help of Tacoma bankruptcy attorneys, the debt that was leading to your wage garnishment should be included in your repayment plan and there will be no further reason for creditors to garnish your wages.

These are just some of the ways in which a Tacoma bankruptcy attorney will help to resolve a wage garnishment situation. If you are having your wages taken in Tacoma, bankruptcy attorneys will explain to you all of your options and assist in finding the best solution for you.

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