Florham Park Attorneys Helping You Put a Stop to Wage Garnishing
The current state of our economy is causing a great deal of strain for numerous individuals in New Jersey and throughout the country. From unemployment to underemployment, to not being paid a living wage, we understand that there are numerous, valid reasons for why you may not be able to pay all of your bills.
Our Morris County wage garnishment attorneys at Levine & Levine have been protecting the pocketbooks of individuals throughout the area for decades. We know what creditors can and cannot do in relation to past-due payments. We also know the most efficient and effective steps used to put a stop to creditor action. Contact us online or call us at (973) 210-7050 to learn more about our services.
How Wage Garnishment Works
If you owe money to a creditor — most often a credit card company — and you stop making payments, that creditor has the right to pursue payment from you. The creditor will start a lawsuit against you. At that point, you likely have no defense except that you just do not have the money. The creditor will obtain a judgment against you and a court order stating that you owe them money. Then, they will seek money from you in one of two ways:
- They can levy your bank account, or
- They can get a wage garnishment against you.
Under the second scenario, every time you get paid, some of your paycheck will go to that creditor until the creditor is paid in full.
What We Can Do to Stop Creditors From Receiving Your Garnished Wages
The day you file bankruptcy, no creditors have the right to collect or attempt to collect any past-due payments from you. This prevents creditors from obtaining wage garnishment orders and it stops existing wage garnishments, which puts more money back into your pockets so you can pay essential bills.
If you qualify for Chapter 7 or Chapter 13 bankruptcy, this is the most efficient and effective way to solve your wage garnishment concerns. One of the lawyers at our law firm will file the proper paperwork for you and walk you through the process. If you do not qualify, there may be bankruptcy alternatives available to you. Call us to discuss your options.
Protect Your Income: Contact Us for Your Free Consultation
We are here to answer all of your wage garnishment and debt relief questions. Contact us today to learn more.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.