Stop Garnishment With The Help Of A Bankruptcy Lawyer In St. Charles

Whenever a creditor uses wage garnishment to recover a debt, it can be challenging to cover your regular living expenses. Navigating this time in your life can be difficult, but rather than having someone take a percentage of your paycheck, you could stop garnishment with a bankruptcy lawyer. Teague & Associates is here to guide you through this process and go over whether or not bankruptcy is an option that works for your particular situation.

Why Bankruptcy?

Many people do not realize instances when bankruptcy could be a smart option when financial woes strike. Filing for bankruptcy can stop a variety of garnishment types, but it could also eliminate other debts simultaneously.

Once a bankruptcy case gets filed, a court order (or injunction) goes into effect, known as an automatic stay. This stay in place prohibits many creditors from continuing or taking actions to collect related debts, including stopping or preventing any garnishment in place. The underlying debt also gets erased.

Keep in mind that while an automatic stay can be a powerful tool to have, it is never absolute. Automatic stays could last for just 30 days if you have filed bankruptcy more than once, or you might not be able to get the stay put in place at all.

When Bankruptcy Won’t Work To Stop Garnishments

Automatic stays might not apply to all types of debts or all creditors. For example, a stay cannot stop a garnishment when:

• a Chapter 7 case gets filed, and
• the related debt is for domestic support obligations, including alimony or past-due child support

Are you looking to stop garnishment with a bankruptcy lawyer? Talk with our team at Teague & Associates – call (314) 899-4499 today, and we can set up a free consultation.