Baltimore Wage Garnishment Attorneys

Can You Stop a Creditor from Taking Part of Your Wages?

An unpaid credit card bill is not a matter of life and death, but your credit card company is not without recourse. Creditors have the right to take legal action against you for not repaying your debt. This typically means that they will file a debt collection lawsuit against you. If you lose the lawsuit, the court will order you to pay back the debt you owe.

When you do not comply with the court order to repay your debt, the creditor may try to convince the court to issue an order that requires your employer to take a portion of your wages. This is known as wage garnishment.

Are you being threatened with wage garnishment? Get legal help now by contacting Sanchez Garrison & Associates We've helped hundreds of clients in Maryland overcome their debts and keep their paychecks. Our experienced lawyers can evaluate your unique circumstances and inform you of your legal options.

Seize control of your debt. Call our wage garnishment lawyers in Baltimore at (410) 406-7372 or submit an online contact form!

What To Know About Wage Garnishment

If you are living with wage garnishment, your main concern is probably how quickly you will be able to pay it off. Here are some things you should know about wage garnishment:

• Wage garnishment is an ongoing, never-ending process. A creditor will often take anywhere from 25% and 65% of your paycheck.
• Creditors can attach and garnish other things you own if your employer's wages aren't enough to cover the outstanding debt.

How to Stop Wage Garnishment

Once your creditors get a garnishment order from the court, they will notify your employer about the order. In turn, your employer must give you a copy of the notice of garnishment. You have a right to request a hearing with the court to stop the order for wage garnishment. This hearing must be requested within two weeks of the day you receive the order.

At the hearing, you may argue that the creditor did not follow the proper legal procedures, that the creditor has been repaid, or that you are experiencing financial hardship that is preventing you from paying what you owe.

Will Bankruptcy Stop A Wage Garnishment?

While bankruptcy will not help you avoid garnishment in the future, you may be able to regain access to your full wages by filing bankruptcy to eliminate your most burdensome debts. Understanding how different bankruptcy chapters work is crucial in determining which path might be best for you.

How Does Chapter 7 Stop a Wage Garnishment?

Chapter 7 bankruptcy provides immediate relief from wage garnishment through the automatic stay. This legal provision halts most collection activities, including garnishment, as soon as your bankruptcy case is filed. However, it's important to note that certain garnishments, like those for child support, may not be stopped. By discharging qualifying debts, Chapter 7 can help eliminate the financial burdens that led to the garnishment, offering a fresh start.

How Does Chapter 13 Stop a Wage Garnishment?

Chapter 13 bankruptcy also triggers an automatic stay, but it differs in its approach. This chapter allows you to create a repayment plan to pay off your debts over three to five years. During this period, wage garnishments are typically halted, enabling you to manage your debt more effectively. By following a structured repayment plan, Chapter 13 can help you gradually regain financial stability.

By allowing yourself to file Chapter 7 or Chapter 13 bankruptcy, as applicable to your situation, you may be entitled to a wage garnishment-free life. That's why we strongly encourage those facing debt to contact Sanchez Garrison & Associates and learn more about how filing for bankruptcy can free you of wage garnishment instantly. At Sanchez Garrison & Associates, we are committed to guiding you through the complexities of wage garnishments to help you find the best solution.

Paying for Attorneys' Fees

If you are scared of being further buried in debt, you may be hesitant to hire a lawyer. You might be surprised to learn that we at Sanchez Garrison & Associates offer all potential clients a consultation with an experienced Baltimore wage garnishment attorney at no cost. We want you to come to us with your concerns and find out if we can help. That's why we offer to review your documents for free and then provide you with a full assessment of your case, also free of charge.

If we determine that we can help you get your garnishments reduced or eradicated altogether, you will need to act quickly. Talk to us about your financial concerns.

Stop wage garnishment now. Contact our Baltimore wage garnishment attorneys at (410) 406-7372 to speak with us about your options.