Will Bankruptcy Stop Wage Garnishments?
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A wage garnishment is typically done when a creditor has received a judgment against you for a debt. Instead of waiting for you to pay the debt you owe, they are able to have it automatically deducted from your paycheck.
When you file bankruptcy, the automatic stay goes into effect and stops all wage garnishments, and other attempts at collecting debts like phone calls and letters from creditors. If the debt is then included in the bankruptcy discharge, the wage garnishment will be completely stopped and the debt forgiven. If the debt is not included in the discharge, the garnishment will continue once the bankruptcy court has discharged the rest of your debts or dismissed your bankruptcy filing altogether.
If the wage garnishment is for something like child support that cannot be discharged, the garnishment will likely not be stopped when you file your petition. If you are having problems paying your necessary bills due to a wage garnishment, you should get a free bankruptcy review and speak with a bankruptcy attorney immediately to determine if bankruptcy will help you end the wage garnishment.
