If you are facing a potential wage garnishment or levee, or have actually incurred one, there may be help. Filing for a Chapter 7 bankruptcy stops wage garnishments and bank levees. Contact Nassar Law to determine if you qualify for Chapter 7 bankruptcy.
Simply put, a wage garnishment is a court order given to your employer’s payroll department to withhold some of your wages. A levee is court order given to your banking institution to freeze, remove/transfer money out of your checking/savings accounts to the court.
Court ordered wage garnishments and bank levees originate from a creditor who has obtained a judgment against through a court for such things as unpaid debt (i.e. old credit card debt you have not paid; a car accident you are responsible for; unpaid medical bills).
The wage garnishments will continue to be deducted until your employer receives notice to stop doing so. This can be done by filing for bankruptcy and notifying your employer of the bankruptcy to immediately prevent further payroll deductions.
As a debtor, you typically have ten (10) days from the date the wage garnishment to file bankruptcy and send notice to the Sheriff’s Department and employer of your bankruptcy filing to stop the first deduction. Filing after the first deduction will stop subsequent deductions.
Filing bankruptcy cannot be done immediately, especially if you have a complex case. You must gather your financial documents and meet with a qualified bankruptcy attorney to ensure you qualify for bankruptcy. You must complete a credit-counseling course (usually about one hour online). Filing of the bankruptcy can take several hours to prepare by the attorney. Thus, it is crucial not to wait until the ninth day or the last minute to act. Contacting a qualified bankruptcy attorney and filing for bankruptcy should be done promptly to ensure you are afforded the benefits of the automatic stay and get your levied funds bank in your bank account where they belong. zero
A competent and knowledgeable bankruptcy attorney who understands the wage garnishment collections process will be able to efficiently advise you and ensure your monies are returned. Thus, it is crucial that you select a highly skilled bankruptcy attorney serving your city (Whittier, La Habra, La Palma, Brea, Fullerton, Placentia, Anaheim, Azusa, Diamond Bar, Montebello, Buena Park, Yorba Linda, Anaheim Hills, Orange, Rowland Heights, Hacienda Heights, West Covina, Covina, El Monte, Rosemead, San Dimas, Glendora, Rosemead, Bell Gardens, Norwalk, South Gate, and Pico Rivera). I make it my goal to provide each client the dedicated time and experience to assist the client with his/her bankruptcy.
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