If you have gotten behind on debt repayment and you suddenly have a court order from a creditor who wants to garnish your wages in order to have this debt repaid, there is something that you can do about it. The Law Office of David A. Tilem offers services that protect your earnings and can help you set up a repayment plan that works for you. We may be able to recommend a Chapter Seven or Chapter 13 bankruptcy that is much more reasonable than having a creditor garnish your wages.
Our firm will be able to advise you of the advantages of filing for personal bankruptcy. Surely, you think, this has to be a last-ditch effort, and sometimes it is. However, you don't need to think that this will be something that totally drains your paycheck. As a matter of fact, this may help you pay back creditors, put gas in your car and groceries in your refrigerator.
We have over 30 years of bankruptcy experience; we can listen to what happened and give you different ways out of the situation you find yourself in.
You can get what is called an automatic stay that can halt wage garnishment and also mortgage foreclosure, vehicle repossession and harassment from creditors. You can keep your home, your car and continue to work without all those disturbing phone calls from creditors. These protections were enacted decades ago. The reason was to help people like you who got behind on payments to businesses and who can't find a way out without legal help.
The option of getting your wages garnished will probably be the impetus to find a different way out of the situation you find yourself in. Wage garnishment is actually a legal procedure that allows a creditor to have a certain amount of money taken out of your pay packet to repay a debt.
Remember, filing for bankruptcy and getting an automatic stay can be a lifeline for you. Getting the help you need in this area may be one of the best decisions you'll ever make.
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