Vance P. Truman, Attorney at Law
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Filing for bankruptcy isn't the only way to end wage garnishment

If you were to research what happens when an account goes to collections, you'd find that creditors generally only try to work out a payment arrangement with you for a short period before they pursue other legal options to recover what you owe them. One option that creditors commonly pursue is garnishing your wages. While filing for bankruptcy can put an end to wage garnishment, there are other options that can help you achieve the same result.

Many individuals who file for either Chapter 7 or 13 bankruptcy do so because they've heard that they can stop wage garnishment. What you may not realize is that creditor calls and the withholding of your payments only stops temporarily when you file for bankruptcy. Creditors may continue calling about any accounts that weren't discharged once your bankruptcy is finalized.

You should know that even if you're allowed to file for bankruptcy, it may not be possible to stop your wage garnishment. Student loan debt, taxes and child support are all examples of nondischargeable debt. You may still continue having your wages garnished even after you file for and close your Chapter 7 bankruptcy case.

One benefit associated with filing for Chapter 13 bankruptcy is that it allows you to enter into a three-to-five-year repayment plan for your debts. Your wage garnishment may be suspended during this time. You may have your pay withheld once again if you stop complying with your repayment plan though.

Some alternatives can put an end to wage garnishments without you having to file for bankruptcy.

You may be able to stop the withholdings from your paycheck by filing for a head-of-household or hardship exemption. You may also petition a judge to overturn their wage garnishment order. Another effective approach for putting an end to your creditors' collection efforts is to simply settle your debt. You can accomplish this by paying off what you owe.

Wage garnishment can have a domino effect. You may think that you're already in a vulnerable financial position. Things can get worse when a creditor starts taking 25% of your paycheck each week though. An attorney in Medina can review your finances and advise you of what option may be best for you to pursue in your Ohio case.

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