Stopping garnishment of wages is one of the most stressful situations anyone in debt can face. This process, which allows creditors to take a portion of a debtor’s wages directly from their paycheck, can have a devastating impact on a person’s financial and emotional stability and to get back on track you will benefit from the help of a wage garnishment lawyer.
Fortunately, there are legal solutions to stop this process and, in many cases, eliminate the debt. Here’s how S&B Legal helped a client overcome a wage garnishment and eliminate significant debt, allowing her to start over.
Our Client’s Case Regarding Wage Garnishment
Our client, a dedicated worker, had fallen into an unsustainable debt situation due to unexpected financial problems. Despite her efforts to keep up with her credit card payments, a creditor sued her, and to top it off, asked that her wages be garnished after receiving a raise at her job.
This situation not only affected her financial well-being but also prevented her from taking advantage of the job opportunities her new salary offered.
Desperate to find a solution, our client turned to S&B Legal. Our attorneys, with their experience in debt and garnishment law, took immediate action. We managed to stop the ongoing garnishments, recovered the money that had already been seized before she arrived at our office, and most importantly, put an end to the lawsuit.
As a result, her $41,000 debt was wiped out, allowing her to start over without the weight of this financial burden.
Can a debt collector garnish your wages? Yes, as it was happening with our client. So, how can I stop a wage garnishment immediately? Get in contact with a bankruptcy attorney ASAP.
Garnish Wages in California? What is it?
In California, wage garnishment is a legal process that allows a creditor to take up to 25% of a debtor’s net pay each month to pay off an outstanding debt. This process can only be carried out after the creditor has obtained a court judgment in their favor.
However, not all debts can result in wage garnishment; Debts such as child support, student loans, and back taxes have their own procedures and limitations.
Wage garnishment can be devastating, especially if the debtor is already struggling to cover basic expenses. California law provides certain protections for debtors, but it is critical to act quickly if you receive a wage garnishment notice.
Stopping Garnishment: What You Need to Know
There are several ways to stop wage garnishment in California:
- Negotiate with the creditor: Before the creditor obtains a court order, it is possible to negotiate a payment agreement that prevents the garnishment.
- File an objection: If the debtor believes the garnishment is improper or the amount is excessive, he or she can file an objection with the court.
- Declare bankruptcy: In some cases, bankruptcy can immediately stop a wage garnishment. This is a drastic remedy and should be considered carefully as it has long-term implications.
- File a waiver: If the garnishment causes extreme financial hardship, the debtor can request a waiver from the court to reduce or eliminate the garnishment.
Legal Support is Crucial
As our client’s case demonstrated, having adequate legal support can make the difference between remaining trapped in a spiral of debt or finding a solution that allows a fresh start. At S&B Legal, we understand the complexity of wage garnishments and are committed to helping our clients protect their rights and financial well-being.
If you or someone you know is facing wage garnishment, don’t wait for the situation to get worse. Contact S&B Legal today for a free consultation to explore your legal options. We are here to help you regain control of your financial life and start anew.