San Diego Bankruptcy Lawyer
When you have gotten into too much debt and your financial situation is spiraling out of control, one of the first things your San Diego creditors will do is garnish your wages. Once your creditors start taking money, you will have even less to pay bills. There is really nothing to stop them unless 1) you pay off the debt or 2) you call a San Diego bankruptcy lawyer.
A wage garnishment is essentially a collection method utilized by lawyers. A creditor will take the delinquent debt to court and have the judge issue an order in their favor. That order will mandate that your employer withhold a certain portion of your paycheck. If the debt is large enough, wage garnishment will be high on the creditor’s list of collection tools.
One of the worst parts about a wage garnishment is the embarrassment you feel because your employer will know you are delinquent on a debt. However, the law forbids an employer from firing you because there is a wage garnishment on a debt (wage garnishment on anything more than one debt does not get legal protection). Also, do not fear that the wage garnishment will take your whole paycheck. State law mandates that you cannot lose more than 25% of your income.
If some creditors have garnished your wages or seized your bank accounts, you can take control of your financial future. You must call an experienced San Diego bankruptcy lawyer who can stop the wage garnishment through the use of Chapter 7 or Chapter 13.
Call our office TODAY to set up a free consultation with an experienced bankruptcy lawyer. At Thompson | Wedeking, because we are San Diego bankruptcy lawyers, we will guide you through each step of the Chapter 7 or Chapter 13 process. You can stop any creditor wage garnishment before it starts. Call us at 619.615.0767 for more information.