Wage Garnishment Attorney in Arizona
Arizona Zero Down Bankruptcy Wage Garnishment Attorney can Stop Your Wage Garnishment
Declaring bankruptcy can put a stop to a wage garnishment and terminates most law suits. If you are in Arizona and have received notice that a creditor is going to take money from your paycheck due to debt, our law firm can stop that garnishment immediately.
Filing bankruptcy puts an end to garnishments and judgements. Also, once an Arizona Zero Down Bankruptcy lawyer files a bankruptcy petition, a creditor may no longer file a wage garnishment if they have not done so yet.
Wage Garnishment Lawyer in Arizona
Creditors in Arizona, per the debt collection process, have the right to garnish wages of those who do not fulfill the obligations of debt. In other words, if you owe a person or a lender or bank money, they can bring a lawsuit and obtain a court judgment against you.
When a judgement is obtained, refusing to pay the judgement allows the judgement creditor to then start a process of wage garnishment. In Arizona, there are few ways to put a stop to a garnishment. A person could argue that income is exempt or a wage garnishment would result in extreme hardship. Occasionally these arguments are successful, but another option is to file for bankruptcy which would immediately stop a garnishment in place automatically.
Before garnishing wages, a creditor must get a judgement against an individual. This, unfortunately, puts an even greater burden financially on anyone already in a debt financial situation.
Arizona Zero Down Bankruptcy attorneys have helped Arizona residents stop wage garnishments, and help eliminate or reduce debt. Our legal team is committed to working with clients to obtain debt relief. If a creditor has a judgement against you or a wage garnishment is looming, call our law firm and discuss your specific case with an attorney.
Legal Wage Garnishments in Arizona
Legal assistance to Stop a Garnishment
Many times Arizona residents don’t even realize that either a judgement has been put in place against them. We have helped clients with some nightmare scenarios resulting from a garnishment. For example, checking a bank account balance and finding that a paycheck has been garnished, and money they were counting on is not there. Or, instead of a full check amount, you find you you have been paid 1/4 less than your typical wage. If you do find yourself in a scary situation regarding wage garnishment, contact Arizona Zero Down Bankruptcy right away.
You can take control over your financial situation.
Once established, legal garnishment allows creditors to remove money from your account. A legal garnishment will be attached to each paycheck until the judgement is satisfied. Obviously a powerful tool used by creditors to collect debt from those who owe money, wage garnishment is a very serious legal matter. Call Arizona Zero Down Bankruptcy law firm for assistance.
WAGE GARNISHMENT FAQs
Wage Garnishment is a method of debt collection used by creditors who have obtained a judgment against you. It is a legal method of debt collection and the court will be the one to order and approve the garnishment.
The first step in a wage garnishment is your creditor getting a judgment against you, which begins with you receiving a summons. You will typically have 30 days to respond to the summons or appear in court. If you fail to do so, the creditor will obtain a default judgment against you. How long it takes the creditor to get an order to garnish your wages will depend on the creditor. From that point, it can be anywhere from 5-30 days until you start seeing the garnishment deducted from your wages.
You will have limited options in preventing a wage garnishment. You can pay the balance owed to your creditor in full. You may be able to work out an alternative payment plan with them. Filing bankruptcy will enact a stay of protection that will stop a wage garnishment until your case is discharged or dismissed.
The legal maximum amount your creditor can garnish is 25%. This is also the standard amount that a garnishment will be.
Only one creditor can garnish your wages at the same time. If you have multiple creditors with judgments against you, they will form a queue and a new garnishment will begin after each debt is satisfied.
Each of your paychecks will be garnished until the debt is satisfied.
You can petition the court to lower the amount you are being garnished if you can prove substantial hardship if the garnishment continues at the current rate. However, the absolute lowest the court can lower your garnishment to is 15%.
Bankruptcy protection: Automatic Stay
Bankruptcy triggers the automatic stay protection
Both Chapter 7 and Chapter 13 bankruptcy filings trigger the automatic stay. This action stops creditors from any collection activity, including wage garnishment. A debtor, during the automatic stay, can take time to reorganize debt and look for reasonable solutions through Chapter 7 or Chapter 13 debt relief. Many individuals in Arizona file bankruptcy to allow them to get finances back on track. Because the wage garnishments and collections will cease, the bankruptcy filer has a full paycheck to work with going forward.
Upon filing bankruptcy, according to the automatic stay provision of the Arizona bankruptcy code, a creditor must immediately cease-and-desist from:
- Pursuing a wage garnishment, filing a wage garnishment, or continuing an existing wage garnishment
- Initiating a lawsuit
- Continuing to pursue an existing lawsuit
- Placing a lien against a home or other property
- Attempting to collect any debt (no more harassing phone calls or correspondence regarding the debt)
Why it is important to immediately stop a wage garnishment
Usually, a wage garnishment is only one part of a person’s financial crisis. Potentially one may be facing possible home foreclosure, vehicle repossession, liens on property, and missing necessary monthly bill payments. A wage garnishment can be devastating to anyone with debt and an already bleak financial situation. Literally, a paycheck could reflect up to 25% less money to pay bills if wages are garnished.
Bankruptcy may seem intimidating, but it is a reasonable and accessible option to solve financial issues faced by Arizona residents such as wage garnishment. Allow an experienced wage garnishment attorney at Arizona Zero Down Bankruptcy to advise you as to how to stop a garnishment immediately. Consult with an attorney about other benefits of filing bankruptcy per your specific debt needs and financial goals.
Finally, so many of our clients do try to avoid bankruptcy and work very hard to take control of their debt. When legal action affects the amount of your paycheck, it becomes even more difficult to make ends meet. In order not to let a creditor take part of your earnings with a wage garnishment, contact Arizona Zero Down Bankruptcy law firm and schedule a free consultation and debt evaluation with an experienced Arizona bankruptcy law attorney.
We accept bankruptcy clients throughout Arizona. No office visit necessary. We provide experienced bankruptcy services with personal and professional attention throughout the legal process.
HOW CAN WE HELP?
Consult with the expert bankruptcy legal team if you are faced with:
Harassing phone calls from creditors
Loss of a job or wages
Making monthly bill payments
Crushing credit card debt
A wage garnishment
Clients who call upon our services have overwhelming debt caused by life circumstances. We understand that Arizona residents are faced with difficult financial situations that result in debt. We are here to help you get out of debt, and our team will be with you throughout the bankruptcy process.
WHY CHOOSE US
ARIZONA ZERO DOWN BANKRUPTCY LAW FIRM CAN HELP YOU ELIMINATE DEBT
You Will Be Debt Free
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When you consult with Arizona Zero Down Bankruptcy Law Firm, your case becomes a priority. A Phoenix bankruptcy lawyer will explore all legal options available for you to eliminate debt. Additionally, our legal team will help you to understand the bankruptcy process, and explain your rights as a debtor. Through effective communication and dedication to clients, Arizona Zero Down Bankruptcy provides clients with expert legal representation. We listen to your concerns about your debt, and offer legal services that will produce the best possible outcome for your financial needs.
ARIZONA ZERO DOWN BANKRUPTCY
DEBT SOLUTIONS AND OPTIONS
Consulting with an attorney at Arizona Zero Down Bankruptcy allows clients to ask questions and get options for their debt situation. Every single debt relief case is unique. Our experienced attorneys know the most effective methods to eliminate debt. We provide legal representation with our clients’ needs in mind. If you are afraid of filing bankruptcy, we can discuss options. Many Arizona residents are faced with some real debt, and filing for bankruptcy may be the most viable option for a promising financial future. Our firm helps clients after a discharge to immediately begin rebuilding credit and gives advice on how to get credit restarted.
EXPERIENCED ARIZONA BANKRUPTCY ATTORNEYS
Filing bankruptcy is an important decision, and our law firm specializes in assisting individuals and families across Arizona realize that there is a future without debt. Because our attorneys have experience and knowledge in the Arizona Bankruptcy law, we know how to best serve clients that need debt relief. Also, our lawyers will deal with harassing creditors, stop a wage garnishment, end a foreclosure, and eliminate or reduce debt. We take pride in our reputation of client satisfaction with our firm. Arizona Zero Down Bankruptcy is focused on the best interests of each client as their needs relate to their specific case.
LEGAL SUPPORT THROUGHOUT THE ENTIRE LEGAL PROCESS
Hiring a law firm and attorney to represent your bankruptcy petition is a big deal. You want to find a lawyer who will return phone calls promptly, communicate openly, listen to your concerns, provide adequate answers to questions, and to be right by your side throughout the bankruptcy process. Our team believes in treating clients with respect and giving honest and appropriate advice. It is typical that a client is anxious, intimidated, or even overwhelmed by filing for bankruptcy. We are the experts, and we will take care of every legal aspect, details, deadlines, and paperwork that are required of a bankruptcy petition.
HOW OUR DEBT RELIEF ATTORNEY CAN ASSIST YOU
STOP A REPOSESSION
If you are facing an auto repossession, contact our Arizona Zero Down Bankruptcy attorney. Our attorneys help clients understand the bankruptcy process as a solution to debt relief needs. The legal staff at our law firm will ensure that your rights as a debtor are protected, and that you understand the debt relief process as it pertains to your specific financial debt situation.
SAVE YOUR HOME
Arizona Zero Down Bankruptcy attorneys can help you keep what is important to you and your family. If you are facing a foreclosure, contact our firm for assistance. Our lawyers give professional advice whether or not bankruptcy is the best option for your debt relief needs.
STOP A WAGE GARNISHMENT
A wage garnishment threatens your income, and affects your professional career. Arizona Zero Down Bankruptcy Attorneys will review your financial situation, then help you to understand the impact of a wage garnishment. We will review the benefits filing bankruptcy protection can provide, including stopping a wage garnishment.
ELIMINATE CREDIT CARD DEBT
Arizona Zero Down Bankruptcy represents clients across Arizona wipe out overwhelming unsecured debt such as credit card debt. If you are unable to pay more than the minimum payment on your credit card statement, or if you have debt that prevents you from making minimum monthly payments, our experienced debt relief legal team can help.
DEBT RELIEF AND YOUR PROPERTY
Stripping a lean in a Chapter 13 bankruptcy is complicated, depending on the asset and value, and needs the attention and representation of an experienced attorney. Chapter 13 bankruptcy protection provides a means to eliminate mortgage liens on real estate property. Consult with Arizona Zero Down attorneys to better understand how to remove a lien from your home.
DEBT RELIEF FROM MEDICAL DEBT
Clients who experience medical emergencies resulting in crushing medical debt get debt relief help from Arizona Zero Down Bankruptcy lawyers. Medical bills from illness, surgery, doctor visits, prescriptions, and other health crisis can become staggering. Arizona Zero Down Bankruptcy law firm can help you get control over this type of debt.
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Read why Arizona Zero Down Bankruptcy clients choose our law firm and legal team to provide legal representation for their cases.
I didn’t know how I was going to afford an attorney to file my bankruptcy. Because Arizona Zero Down Bankruptcy offers no money down, I called, set up an appointment, met my attorney, and my bankruptcy was filed — and it didn’t cost me a penny upfront.
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