Possibly one of the most upsetting things to happen is having part of your paycheck garnished by a creditor. In Georgia, after a creditor wins a lawsuit filed against you, they have the ability to garnish up to 25% of your paycheck. When they start the garnishment, your hard-earned money goes to the creditor directly from your employer, without you ever seeing the money.
If this has happened to you or is about to happen, filing for bankruptcy can stop garnishments.
Immediately after filing for bankruptcy in Georgia, you are protected by what is called an “automatic stay.” The stay means that your creditors are ordered to stop any and all activities related to collecting a debt from you. This is a way to immediately stop garnishments. In the bankruptcy, we can list all of your creditors and, depending on the type of bankruptcy you file, eliminate all or some of your debts so that garnishment doesn’t start again.