Wage Garnishment
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Protecting Your Wages From Garnishment

Creditors have the right to the money you owe them, and many will stop at nothing to collect on that debt. Getting by when you are having financial trouble and your bank account is low is a struggle in itself. When creditors start garnishing your wages, getting back on track becomes that much harder. You do not need a work life filled with pressure, amid an uncertain state and national economy.

Has a creditor obtained a garnishment order to force your employer to send them part of your hard-earned wages to satisfy a debt? You have the power to stop debt-related garnishment in its tracks – with the help of a wage garnishment lawyer at Nicolet Law Office, S.C.

As your consumer bankruptcy lawyer, your Nicolet Law Office, S.C., attorney can recommend workable debt relief methods that can put your legal and financial problems behind you. The attorneys at our law firm have helped individuals and families across Wisconsin eliminate or reduce their debt and find the “fresh start” they need. We can help you too.

Direct Access To A Wage Garnishment Lawyer

During your free initial consultation at the Nicolet Law Office, S.C., you will speak directly with an attorney and learn the facts and options you need to be aware of that can lead to sound decisions about your future. Three of those viable options include Chapter 7 liquidation, Chapter 13 debt reorganization and the Chapter 128 bankruptcy alternative. We pinpoint the strategy that fits your unique situation and stays available to you throughout the legal process so that any sudden questions or concerns you have can be promptly addressed. We guide you through the filing process, stand by your side in court, and work tirelessly to help you minimize your debt and other creditor liabilities.

Contact us today to get on the road to financial freedom and a life without fear of further wage garnishment. Call toll-free at 800-456-6956. You can also email a bankruptcy attorney at our firm to discuss wage garnishment bankruptcy options.

Stopping Wage Garnishment: Common Questions

In the hundreds of income and wage garnishment cases that we’ve handled, some of the most frequent questions we’ve been asked related to garnishment and filing for bankruptcy include:

  • If I am only making minimum wage, can my wages still be garnished?
  • Are there different wage garnishment laws in Wisconsin and Minnesota?
  • How does wage garnishment affect income from workers’ compensation benefits and Social Security Disability Insurance (SSDI) benefits?
  • Is any income exempt from garnishment?
  • What is a default judgment, and why would a court issue one?
  • How does tax debt factor into IRS wage garnishment?
  • How do things such as child support payments, student loan payments and spousal support obligations matter in the wage garnishment process?
  • What chapter bankruptcy will best prevent wage garnishment for me?
  • Do garnishment laws allow me to make monthly payments or pay a lump sum to get rid of the threat of garnishment?
  • Will filing for a bankruptcy petition prevent me from getting a loan in the future?
  • Will bankruptcy relief help with my credit card debt and medical debt in addition to stopping wage garnishment?
  • What counts as disposable earnings or disposable income, and how does it affect a bankruptcy filing?

We can give you answers to these and other related questions during your free consultation, as getting an accurate answer to all of them requires that we understand your specific situation before answering.

Fight Wage Garnishment And Protect Your Income

Legally, creditors can use the wage garnishment process to siphon up to a fourth of each paycheck to pay back the debts you owe. When you file for bankruptcy, an automatic stay is put into place. This requires all creditor companies and third-party collecting agencies to stop their garnishment efforts and debt collection, and it protects you from creditor harassment. If the garnishment of your wages has already begun, we can work with the court to return some or all of these lost wages to you.

In a Chapter 7 bankruptcy case, wage garnishments can be stopped temporarily and your unsecured debt, such as credit card and medical bills, will be forgiven. In Chapter 13 bankruptcy, your debt can be spread out over time as you pay them off without penalty through a structured repayment plan.

Worried About Wage Garnishment? Talk To A Reputable Bankruptcy Lawyer.

Working directly with you from start to finish, your Nicolet Law Office, S.C., wage garnishment attorney is passionate about helping you find the best possible outcome for your financial situation. Your initial consultation with a skilled debt reduction attorney at our law firms is free of charge. We also offer flat-fee bankruptcy, payment plans and reasonable fees. Our toll-free number is 800-456-6956.

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