Wage Garnishment Protection

Stopping Creditor Garnishment Through Bankruptcy's Automatic Stay

When a creditor has obtained a judgment and is garnishing your wages, whether from a credit card lawsuit, medical debt or a personal loan, filing for bankruptcy triggers an automatic stay that stops most garnishments immediately. This applies broadly to judgment creditors, not just tax debts, and can bring fast relief when a garnishment is straining your budget.

Mitchell St. Louis, P.A. evaluates whether bankruptcy is the right tool to stop a garnishment and, if so, moves quickly to file and put the automatic stay in place.

What we handle:

Filing bankruptcy to trigger an immediate stop to wage garnishment
Evaluating whether Chapter 7 or Chapter 13 best addresses your overall situation
Negotiating with judgment creditors to resolve the underlying debt
Pursuing recovery of recently garnished wages where the law allows
Protecting future paychecks through the remainder of your case

Why it matters:

A wage garnishment can continue indefinitely until the underlying debt is paid in full, taking a meaningful share of every paycheck in the meantime. Filing bankruptcy often stops it the same day the petition is filed.

Contact Mitchell St. Louis, P.A. today to schedule a consultation if a creditor is garnishing your wages.