Individuals are frequently plagued by difficult financial burdens. Among these are wage garnishments. Every one of us has incurred some sort of debt in the course of our adult lives, which may become hard to repay. When a serious debt has accumulated, such as tax debt, the IRS and other major organizations will come knocking. If you find yourself in this position, the government may order a garnishment of your work wages. Garnishment redirects your monetary earnings from your own bank account, for instance, to the institution you owe money to in order to satisfy your debt.
For residents currently enduring a wage garnishment, filing for Chapter 7 bankruptcy in Georgia may be the solution. Please note that your personal debt and subsequent wage garnishment will not impact your employment. Title III of the Consumer Credit Protection Act (CCPA) prohibits employers from discharging any employee from duty for any first-time debt and resulting garnishment. You may also be eligible to continue earning partial wages during a garnishment. If your wages are currently being garnished, filing for Chapter 7 bankruptcy can put a stop to the government’s claiming of your wages. Consulting with a wage garnishment lawyer can help!
Pertinent Information for Your Lawyer
Once you’ve decided to enlist the services of a lawyer, make sure they have all of the necessary information regarding your situation. He or she will need access to relevant information in order to better assess your specific situation and make contact with your employer. Be sure to have the following handy:
- A copy of the wage garnishment notice served upon your employer
- A copy of the official judgment if you have it
- Any contact information you have for your payroll department or human resource department personnel, which will enable your attorney to promptly notify your employer so that they may quickly stop the garnishment.
Once your case is filed, the electronic notice of your bankruptcy claim can be emailed to your payroll department so that they can stop the garnishment.
Finally, if you have been sued or a judgment has been issued against you, consult with an attorney. Your lawyer will be able to determine whether it is appropriate for you to file a bankruptcy claim in order to avoid any possible future garnishment.
Roger Ghai and his team provide in-depth information regarding debt relief and bankruptcy solutions to Georgia residents. Our services help residents of the Marietta, Kennesaw, and Acworth areas by connecting individuals with qualified debt relief lawyers capable of reconciling financial obligations. Give us a call and see how we can help you!