What to do if you are facing Garnishment
Here's what you need to know . . .
Garnishment is an immediate threat to your survival. Learn what you can do to fight back.
Garnishment = Immediate Emergency!
Garnishment (Can bankruptcy stop a garnishment)
You get an ominous court notice in the mail.
At first it doesn’t make any sense.
“Payment to avoid garnishment.”
That’s what it says.
But what does it mean?
Is this how a payroll garnishment starts?
“Can bankruptcy stop garnishment,” you ask yourself.
“Are there other ways to stop garnishment?”
“If so, what are they?”
Or maybe you got the bank account version – “Garnishment of Other than Personal Earnings.”. No notice here. You are suddenly – instantly – warned that you are under a Court Order not to remove any money from your bank account. (How will you pay your bills?)
Perhaps they didn’t get the right bank account. And you are wondering why you have a garnishment notice on a bank account you don’t have. (Lucky for you if they “missed” and did not get your actual account – sometimes they guess)
But most of the time you are not so lucky.
Your paycheck could soon be hit for 25% – or your bank account will be reduced to $450 – which is the amount that the law says is protected.
What kind of protection is that if they just wiped out most of your life savings? How will you protect yourself from the creditor attack on our paycheck and bank account?
How did all this begin? Think back.
Do you remember being sued?
You probably got a letter – certified – from some court. Or perhaps you weren’t home and all you got was a notice to pick up certified mail. Those are never good news. We all know that.
Maybe you never went to pick it up – forgot about it. When that happens, the court is supposed to send you the notice of the lawsuit by regular mail, so you don’t have to go pick it up. Sometimes that never happens.
This may have been long ago. You might have forgotten about it. Thought it would go away.
The Judge granted judgment to the creditor for the full amount you were sued for, probably, and now the creditor is exercising “all rights available according to law” to forcibly collect from any and all assets you have. And, to make matters worse, the creditor can garnish your pay AND your bank account AT THE SAME TIME.
More bad news. . .
At this point, you have practically no leverage. Back before you were sued, you might have discussed a payment plan. You may have been able to work things out. Even after the lawsuit against you was filed, it might have been possible to make a deal. But now it’s “all deals are off” because once the creditor goes through all these legal hoops to collect, they are not very willing to work with you now.
What can you do?
Even though you have already lost most of your bargaining leverage, there are still things you can do. That’s why I wrote a very informative e-book “GUIDE TO OHIO GARNISHMENTS.” Which explains all about how the garnishment laws work, and what options you have to stop the garnishment.
Get the e-book and get informed. Click here to download the e-book.
Then, when you are ready to take the next step – call us. We know what garnishments are all about, how they destroy what was probably a delicate balance in your financial life to begin with.
What Good is there in Garnishment? – Could this be the turning point for you?
Sometimes a garnishment is actually a blessing in disguise. It reminds me of a famous quote by Alexander Graham Bell, the inventor of the telephone. He said: “When one door closes, another opens; but we often look so long and so regretfully upon the closed door that we do not see the one which has opened for us.” My life has had lots of those moments, and perhaps this is one of them for you.
If you have a garnishment, you are now forced to look into options that you may not have considered, but will help you fix a much bigger problem, perhaps.
Garnishment is a huge threat to everything you have. You have to act now. Get the e-book and read it. Then call us for a detailed plan to deal with the garnishment. The call is free. The consultation is free, but the peace of mind you’ll have once you have a plan to stop the garnishment is priceless. Call 937-748-1749 to schedule your free phone consultation.
Help For Your Situation
Bankruptcy is a difficult and stressful event in your life to go through. Here are some helpful resources that can guide you through considering your options.
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Here are two helpful calculators for managing your debt repayments and Chapter 13 commitments.