Somebody Taking Your Pay?

You don’t have to say goodbye to part of your paycheck.

Have you just received your paycheck and part of it has disappeared? Wondering what that deduction called “GARNISHMENT” is all about? When you owe somebody money and they get a judgment against you, they can begin taking money from your check to pay the debt you owe. In fact, the IRS and student loan creditors can even take your wages without a judgment, although it needs to alert you first. You don’t get to control the amount of money the IRS or creditors take, and they can take up to 25% of your pay and student loans can take an additional 15%..

Not many people can get by with 25% or more of their pay gone. The government might decide how much you can live on each month, but the reality can result in difficulty or inability to pay bills and purchase food and other items. Fortunately, there is a way out of this seemingly impossible situation and to stop wage garnishment in Nashville.

To learn how bankruptcy or other options can help, keep reading and talk to a Nashville bankruptcy lawyer at the law office of Long, Burnett, and Johnson. We offer a free consultation to help you explore your options. To schedule yours, call today at (615) 386-0075 or by contacting us through our website.

What Is Wage Garnishment?

The IRS and creditors can go through with wage garnishment if you owe a debt that you stop paying. Perhaps you were unable to pay your taxes, and you’re trying to stop IRS wage garnishment. Maybe you owe money to your credit card companies, or you need to stop student loan garnishment. There are numerous scenarios you may be facing, which all have similar consequences and solutions.

After a certain length of time, if you are not able to pay the debt or work out another solution, the IRS or creditor starts to take money straight from your wages. That’s correct – they have the right to do that! You will end up without full control over the wages you make each month, and you might not have enough money left over to pay your bills and other necessary expenses.

To really add insult to injury, if you are able to work overtime or get additional pay from your job to try and make up for the amount they are taking, the amount they take increases.  It’s hard to get by with a garnishment in place.

Does Bankruptcy Stop Wage Garnishment?

Bankruptcy will STOP them from taking your pay. Instead of losing your hard-earned money each month to your tax or other debt, you might be able to wipe out that debt forever, or pay it back at a pace you can afford.

Paying your debts through garnishment of wages is about the WORST way you can go. Interest and court costs continue to pile up on the debt. The court and attorneys all take a piece of your payment. Many people are amazed that after paying for a year on these debts, they actually owe MORE than when they started. Don’t let this happen to you. Stop the garnishment and get your financial life back on track.

How Do I Stop Wage Garnishment Immediately From the IRS, Creditors, Etc.?

While it depends on each case, you might have a few different options for stopping wage garnishment to keep all the money you earn. If you are able to pay off the debt in whole, or the IRS or creditor agrees to a payment plan or settlement, you might be able to avoid wage garnishment in Nashville.

In some cases, bankruptcy is the right step to STOP wage garnishment. There are some exceptions, but an automatic stay that happens when you file bankruptcy will generally stop collections, including wage garnishments, in their tracks.

Get the Professional Advice You Need

Unpaid debts and wage garnishments are serious issues that can greatly affect your life. For that reason, you don’t want to rely on the advice you read on the Internet and try to come up with a solution on your own. While this article provides you with an idea of your options, it’s best to take the next step and visit a bankruptcy attorney who can help you understand potential solutions to stop wage garnishment.

When you come to the law office of Long, Burnett, and Johnson, we provide a NO COST consultation, during which we will discuss ways to stop judgments that would lead to wage garnishment, or to stop income garnishment after it has already started.

At Long, Burnett, and Johnson, we know that the prospect of visiting a lawyer can cause anxiety. Plus, most people are nervous about filing bankruptcy. But you can experience a relaxed visit with our down-to-earth lawyers when you come for your consultation. We will discuss your individual circumstances with no obligation to you. We’re confident that you’ll leave our office feeling calmer after learning specific actions you can take to stop or avoid creditor garnishment, and how those actions will affect you. Plus, during your visit, you’ll enjoy the Southern charm we offer, with smiling staff members and the friendly faces of our pets to boot. Get in touch by phone or through our website to set up your initial consultation with an attorney.

Schedule Your Free Consultation

You don’t need to spend your days in worry over how to prevent wage garnishment collections or how to stop ones already in effect. Instead, figure out real solutions to your predicament. By visiting with a Nashville wage garnishment lawyer at Long, Burnett, and Johnson, you will gain professional legal advice based on your specific debt situation. Instead of guessing what to do by following general advice, making a visit to our office will give you actionable steps you can take based on your specific debt situation, without any obligation to follow that advice.

To make your appointment for a FREE consultation with a skilled wage garnishment attorney, call our office now at (615) 386-0075 or use our contact form to have our office staff get in touch with you. You’re just a visit away from learning how to get your debt situation under control!