garnishment lawyer near me
A common motivation for filing bankruptcy is wage garnishment. Garnishment through court order can occur from child support, loans, and other types of debt. It can be a difficult and painful experience to live on a fraction of your income. Mack & Associates, LLC actively provides Kansas bankruptcy legal services with extensive experience and knowledge to help you through this.
About Wage Garnishment
It can be difficult and even impossible to make ends meet on a fraction of your wages. Wage garnishment is not an immediate process, and it’s likely your creditor has been on you for months about payment. From your point of view, you may be limited on options to make payments and still afford living expenses.
Typically with wage garnishment, your creditor has taken you to court and was granted judgement to receive payment from your paycheck before you are paid. One of the most effective ways to stop garnishment is filing for bankruptcy. Mack & Associates, LLC can support you through this process as a garnishment lawyer near you in Kansas to ensure you understand your rights and feel you have a guide to come to with questions, concerns, or confusion.
Meet Mack & Associates, LLC
Mack & Associates, LLC is a firm of highly experienced attorneys who focus on multiple practice areas, including bankruptcy services for Eastern Kansas. Our in-depth knowledge of bankruptcy law allows us to empathize and advocate for financially vulnerable clients. We value responsiveness, efficiency, and creating a personalized experience for everyone.
How Bankruptcy Can Stop Wage Garnishment
Bankruptcy is a viable option to oppose and stop wage garnishment through a Chapter 7 or Chapter 13.
With either of these chapter options, the automatic stay is invoked. The automatic stay temporarily stops creditors from pursuing you for debt collection while you are in bankruptcy. This automatic injunction prohibits the collection of most of your debts. There may be some exceptions to the automatic stay, such as child support payments. It is important to understand the limitations of the automatic stay.
How can I stop a wage garnishment in Kansas?
You can stop a wage garnishment by working with a bankruptcy lawyer to file for a Chapter 7 or 13 bankruptcy.
Will a Chapter 13 stop a wage garnishment?
Yes, a Chapter 13 will stop a wage garnishment by temporarily invoking “automatic stay” to prohibit most creditors from pursuing you for collection while you make a payment plan.
Can you file bankruptcy after a garnishment?
Yes, you can file bankruptcy after a garnishment, and it’s often the most effective way to stop wage garnishment.
How much can be garnished from your paycheck?
Kansas law dictates how much can be garnished from your paycheck. Garnishment can take no more than 25% of your disposable earnings OR the amount by which your disposable earnings exceed thirty times the Federal minimum hourly wage, whichever amount is less.
Learn More About Your Options
For more information on stopping wage garnishment and filing for bankruptcy, use our simple “Do I have a case?” tool. Our garnishment lawyer near you can analyze your individual situation to find the best solution for you.