Can My Wages Be Garnished?

: Reese Baker & Associates

  Filed under: Filing bankruptcy, Wage Garnishment

wages, garnishment, bankruptcy, attorneyFinancial difficulties create a great deal of stress and individuals who find themselves in this situation don’t know where to turn to. One of the best solutions when there are no other options is to file for bankruptcy with the help of a qualified Attorney.

One of the concerns is that an individual’s wages may be garnished and if this happens, the additional burden is going to pose even greater financial difficulties. Depending on the state you are in there are federal and state law that limits the amount that can be garnished from your income, but when money is tight any money you are not receiving has a dramatic effect on you.

If the garnishment goes through, then the judgment creditors can take no more than 25% of your disposable income or the amount that is above 30 times the federal minimum wage, whichever is less. This, again, varies according to each state, which is why you want to seek the assistance from an Attorney in Texas or whichever state you reside.

Rather than deal with the continued stress, filing for bankruptcy causes all of the collection actions of your debtors will be put on hold until your bankruptcy has been determined. Bankruptcy should not be looked at as a form of punishment but as a form of debt relief when there are simply no other options available.

A successful bankruptcy means an individual can get back on financial track and have much more peace in their life. It is important to utilize the services of a professional such as a qualified bankruptcy attorney to assist with either the Chapter 7 or Chapter 13 bankruptcy which are the two common forms of bankruptcy available to individuals.


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