Wage Garnishment

Wage garnishment hurts. A creditor with a judgment can have notice served on your employer, and start taking 25% out of your paycheck.  For most people with debt problems, that is tough, to say the least.

Luckily, bankruptcy can stop that.  

The Automatic Stay Protection

The automatic stay that goes into effect upon filing of your case makes all collection attempts illegal.  

And that includes wage garnishments - so those have to stop, post haste.

Because once the money is garnished, it might not be possible to recover, it is important to file your case before the garnishment goes into effect.  Your creditors will get what they are entitled to during the bankruptcy - anything beforehand is bonus money for them. 

Discharged and Gone

When the discharge occurs at the end of the case, the judgment that is garnishing your wages will normally be discharged as well. 

Just because someone got a judgment, is harassing you, or is aggressive, is not a reason for them to get money in a bankruptcy.  All creditors have to be treated fairly - and sometimes that means no one gets anything, but everyone will be treated the same,