When you don’t pay your debts creditors can resort to a number of actions to claim their money, including wage garnishment. On average, a wage garnishment order can allow for up to 25% of your paycheck to be seized before you even see the rest of your money. Further, wage garnishments are not easily stopped unless you seek legal assistance. If you owe money to creditors you don’t have to let them take a quarter of your income to repay, you may be able to qualify for a Chapter 7 discharge of the debt or an affordable repayment plan in a Chapter 13 case.
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