When They Want to Garnish Your Wages
When creditors take legal against you, the situation may feel overwhelming. By filing bankruptcy you can automatically put a stop to collection calls, wage garnishments, pending court dates, foreclosure and repossessions. To find out how, call the Skrupa Law Office, LLC at (402) 571-2900 (Omaha) or (402) 464-3311 (Lincoln).
What Can My Creditors Do to Me?
When you owe money to a creditor, they may take legal action. Your creditors may get a judgment against you in state court.
- Wage garnishment: Wage garnishment (sometimes called payroll garnishment) starts with a court order that forces your employer to take out 15 - 25% of your wages after taxes and give that percentage to your creditors. Certain things affect the amount they can take out, including your status as head of household.
- Garnishment of your checking or savings account: Creditors may also get a court order to take owed money out of a checking or savings account. Because your bank account is not covered by state law exemptions, creditors often pursue this route.
- Liens: Creditors may also put a lien on your house so that they get a portion of the eventual sale price.
- Seizure of non-exempt property: They can also send the sheriff out to seize any non-exempt property, although much of your property is safe from creditors. State law exemptions cover clothing, your wedding ring, your pension, your retirement and your home.
Our Nebraska law firm also helps people facing IRS wage garnishment. We have a great deal of experience related to bankruptcy and the IRS. Using in-depth knowledge and skills, our lawyers can help you negotiate with the IRS to discharge your tax debts through bankruptcy.
Call Us Today for an Appointment
Filing for bankruptcy can end wage garnishment and help you get the debt relief you need. To find out more, talk with an attorney at Skrupa Law Office, LLC. Contact us by calling our Omaha law office at (402) 571-2900 or our Lincoln law office at (402) 464-3311.
