Question: I think my debt has caught up with me and I'm facing a garnishment. Now I have a good job but in the past I had some major financial problems. My job as a car salesman didn't work out, and the insurance job didn't pay too well. I wrote a book and the sales were disappointing. I invested in a friend's restaurant and I lost money.
Anyway, I had an old credit card that I thought was forgotten about and I also had a car repo. The credit card was a charge-off. These were from many years ago and now I just found out that I'm looking at a couple of garnishments.
Human resources at my company in Sandy Springs called and said that they are going to start garnishing my check. They said I had some time to take care of the matter but not that much. I need to stop the garnishment. I hope I don't get fired because of the garnishment.
I'm going to need money for car repairs, my mortgage and I want to go hunting in North Georgia for a week. My wife is mad and we might be getting divorced. Now is not a good time to get garnished. What should I do to stop the wage garnishment?
H.N. in Sandy Springs
Answer: Getting garnished is shocking. We get a lot of questions related to garnishments. The only way to stop a garnishment is to file bankruptcy. Once the bankruptcy is filed, the garnishment must, by operation of law, stop. A chapter 7 or chapter 13 will terminate a garnishment.
Each state has different laws regarding garnishments. Some states are more favorable to creditors than others. Georgia is a state that is favorable to creditors.
In emergency situations, we can file a "skeleton" bankruptcy petition. A skeleton has special rules and time constraints, so please call us directly to discuss how it works. It is common for a garnishment to be from an old credit card debt, a car repo or from a foreclosure.
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Do you need a fresh financial start? Facing a wage garnishment? We can help you. When you need to speak with a Sandy Springs bankruptcy lawyer, just call us at (678) 712-8561.
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