Stop Wage Garnishment
End a Wage Garnishment
In Arizona, creditors have the right to garnish the wages of those who fall behind on unpaid bills. This is per the debt collection process in Arizona. If you owe a person, a bank, or a company money, they can bring a lawsuit against you and obtain a court judgment against you.
Once a judgement in obtained, should you refuse to pay the judgment, the judgment creditor can then start the process of garnishing your wages. In Arizona, there are few ways to stop a garnishment. One method of stopping a garnishment is that you can argue that your income is exempt or that you will suffer extreme hardship. These arguments are occasionally successful. As a last resort, you may also file for bankruptcy which immediately stops the wage garnishment in place against you automatically.
Hence, creditors must get a judgement against an individual before getting a garnishment. Unfortunately, getting your wages garnished is an increased burden on people already in a tough financial situation.
Arizona Wage Garnishment Law Firm, Chapter Bankruptcy Lawyers has helped people in Phoenix and throughout Maricopa County stop a wage garnishment. Our Arizona bankruptcy attorneys are well equipped to stop wage garnishments and relieve debt through filing chapter 7 or chapter 13 bankruptcy. Our debt relief experts and staff are committed to working with you to obtain a fresh start and stop garnishments. Keep in mind, if a creditor has a judgement against you or you are facing a wage garnishment, you should call our law firm at (480) 405-1010.
Wage Garnishment Triggers an Automatic Stay
The automatic stay Vegas bankruptcy, both Chapter 7 bankruptcy and Chapter 13 bankruptcy, put an “automatic stay” on the actions of creditors. Therefore, an automatic stay stops creditors from collection action such as wage garnishment proceedings.
Plus, during the Automatic Stay, a debtor can take the time to reorganize debts and find reasonable solutions through the debt relief of chapter 7 bankruptcy or chapter 13 bankruptcy. The automatic stay allows them the time to get their finances back on track. It also stops wage garnishments and collections so the bankruptcy filer has their full complement of a paycheck to work with going forward.
We are a debt relief agency. We help people in Arizona file for bankruptcy relief under the Bankruptcy Code.