Garnishments can be stopped!!!
Everybody gets into a tough financial situation at one time or another. But that doesn’t mean that a creditor should be able to take money out of your paycheck or your bank account and prevent you from being able to pay your other bills.
If you are facing a wage or bank garnishment (or if you just had your pay check or bank account garnished) there is only one way that is legally guaranteed to stop a garnishment — filing a bankruptcy petition.
No matter what your overall financial situation is, you can stop immediately stop a garnishment by filing bankruptcy. Not only that, but, if you were recently garnished, filing bankruptcy will likely force the creditor to return the garnished funds.
In many circumstances you can file a Chapter 7 case that stops the garnishment and gets rid of the underlying credit card or tax debt — forever! This means a complete “fresh start” with no more payments and no more harassing phone calls — from any creditor.
If you don’t qualify for a Chapter 7 (because your income is too high or because you received a Chapter 7 discharge within the past eight years), you can still file a Chapter 13, which will stop the garnishment and allow you to pay some or all of the debt over a period of five years — by making monthly payments that you can afford — on your terms!
In some cases you can also legally use a Chapter 13 to “run out the clock” on an old judgment — by making some Chapter 13 payments and then, when the time is right, you can dismiss the Chapter 13 and then, when you are eligible, re-file a Chapter 7 and get a complete discharge.
No matter what your situation is, filing bankruptcy will give you the “breathing room” that you need by immediately stopping the garnishment, along with any other collection activity.
So, if you live in the Metro Detroit Area and want to stop a garnishment, please Call Us Today At 248-417-9800 or contact us online to set up an appointment for a FREE, no obligation, confidential consultation to discuss your financial situation, and to get the process started by crafting a plan that reflects your specific financial goals.
Waiting is not going to make the problem go away — it will just make it worse. That’s why we urge you to call us RIGHT NOW — so that you can get avoid the garnishment and, instead, get the “fresh start” that you deserve — as soon as possible. Our phone lines are available 24 hours a day, so CALL US NOW at 248-417-9800. We look forward to hearing from you.
