Basically, bankruptcy uses all your assets to pay all your debts.
Under the protection of the BK, you may be able to not have the garnishment taken, but that is only because everything will be used to pay and clear all your debts.
You MUST include all of your debts and all of your assets in the filing. You do not and cannot pick and chose what is involved. All are given priorities, some of each may be exempt from seizure or discharge.
You really didn't think you could just go BK on something, have the debt discharged and simply keep everything else you want, did you?
Work out an agreement with the other party, or file for bankruptcy. Filing for bankruptcy stops all wage garnishments. Or, obviously, pay off all of your debts!
Work out some sort of agreement very quickly with the other party. If you can't do that then perhaps your only option is to file bankruptcy very quickly. Filing bankruptcy legally puts a stop of wage garnishments. Filing bankruptcy stops all of your creditors' collection activities which is why it is often used as a weapon to avoid judgments.
Bankruptcy can actually stop wage garnishments. If you can provide proof of financial hardship, wages won't be garnished during the bankruptcy.
Garnishments must cease.
You will need to call the company that is doing the wage garnishments, and they can give you the information that is need to start the process. You will also need to talk to an attorney who can help you stop as you may have to file papers with the judge.
file bankruptcy
No! They promise to pay your creditors and then don't! Then, the the creditors sue you in court and get judgments, leading to checking account garnishments and payroll garnishments. Then the only solution is to file bankruptcy.
Some people have fought for this cause. However, wage garnishments are still legal in many states.
You may have to file bankruptcy if the debt is large, or the lawyer will place a garnishment on your wages .Get some legal help of your own if you possibly can. Once you file , collection and garnishments will cease til the outcome of your bankruptcy proceedings.
No bankruptcy will not protect you from wage garnishments for certain types of debt. For example, court ordered child support/past due child support, court ordered alimony/past due alimony,student loans, federal taxes,state taxes and county taxes are not covered under the protections of bankruptcy. Bankruptcy will also not protect you from wage garnisments for court ordered fines,restitution.
Pennsylvania does not permit wage garnishments from credit cards or loans.
The state does not allow simultaneous wage garnishment. One garnishment action by a creditor must be completed before another can be instated. Note: Garnishments for tax arrearages and/or child support are not "true" garnishments and they can be active in conjuction with a creditor wage garnishment.