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Teague & Associates, LLC
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Archive: May 2018

  1. You Can Stop Foreclosure with a Bankruptcy Attorney in St. Charles

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    You Can Stop Foreclosure with a Bankruptcy Attorney in St. CharlesThe possibility of foreclosing on your home is not only frightening but overwhelming and quite confusing. You might feel that there should be something you can do to avert the situation or even delay proceedings. There is one option you need to consider before going any further. You may want to stop foreclosure with a bankruptcy attorney in St. Charles. A professional can offer guidance about Chapter 7 bankruptcy, where you can postpone the procedure. It is also possible to keep your home if you file for Chapter 13 bankruptcy.

    Foreclosure happens when you get behind on mortgage payments and occurs over a period of time. There are numerous steps involved and it often takes several months to complete the process. This can give you much-needed time to investigate all your choices to meet your mortgage obligation. When there is no other option, bankruptcy may be your only alternative.

    When you file Chapter 7 or Chapter 13 bankruptcy, an automatic stay requires your creditors to stop collection actions. This can delay foreclosure.

    If keeping your home is a priority, filing Chapter 13 is your best option. This allows you to pay off the amount of mortgage overdue over a pre-determined time. It is important to note that while paying your current mortgage payment, you must also pay the agreed-upon amount that is behind schedule. You will be able to keep your home if you follow this agreement.

    Consult with a professional to determine the best way to stop foreclosure with a bankruptcy attorney in St. Charles. Call or text Teague & Associates, LLC today at (314) 899-4499.

     

  2. Learn How to Stop Garnishment with a Bankruptcy Attorney in O’Fallon

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    Stop Garnishment with a Bankruptcy Attorney in O'Fallon

    If you have outstanding balances for student loans, back taxes, a court judgment or child support, your wages may be garnished. This happens when a court demands that your employer withhold a portion of your paycheck. They will send it straight to the company or individual whom you owe money until you pay off the debt. There are different rules regarding garnishment according to what kind of debt you have, and there is a threshold on how much of your wages can be taken out. For guidance about this unwelcome situation, see if you can stop garnishment with a bankruptcy attorney in O’Fallon.

    Court judgment wage garnishments occur when you lose a lawsuit and there is a money judgment against you. This must be accompanied by a court order, in most cases. Federal laws govern how much of your paycheck is taken away and it varies from state to state. You can legally protest a judgment. Your lawyer can help you with this.

    If you owe child support or alimony, the court will initiate wage garnishment and pay it to the other parent of the child(ren) or to a former spouse. It is common for more money to be garnished for child support payments than in other circumstances.

    A student loan default is one situation where a court order is not required for garnishment. The lending institution will notify you in writing about 30 days before money is withheld from your paycheck.

    To collect back taxes via garnishment, the IRS does not require a court order.

    Learn your rights and how to stop garnishment with a bankruptcy attorney in O’Fallon by call or texting Teague & Associates, LLC, at (314) 899-4499.

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