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Prevent a Wage Garnishment in Franklin County by Filing Bankruptcy in Columbus Ohio

Filing Bankruptcy in Columbus, Ohio can help you prevent or stop a wage garnishment in Franklin County Ohio.  Once you have received the summons and complaint from a lawsuit, it is a matter of time before the court reaches a judgment. You will usually receive a letter stating that you must respond within 28 days. This can be devastating if the lawsuit was filed by a bill collector because what they are trying to do is collect the debt through getting a legal judgment rendered against you so that the creditor can garnish wages, seize funds out of bank accounts, or attach liens to property. Filing a Chapter 7 or Chapter 13 personal bankruptcy will stop a lawsuit from beginning or continuing.

Once you receive a Notice of Court Proceeding to Collect Debt after a judgment has been rendered against you from a lawsuit, it is a matter of time before your wages become garnished. If you don’t pay the debt owed from the lawsuit the creditor can garnish your wages up to 25% in Ohio.  It is very important that once you receive this notice that you take action immediately before it is too late. If action isn’t taken within the 15 day window of time the creditor will send the garnishment paperwork to your employer.  Filing a Chapter 7 or Chapter 13 bankruptcy in Ohio will automatically stop a wage garnishment by Federal law.  If you have a lawsuit on your hands and currently being threatened with a wage garnishment, feel free to contact us for a free bankruptcy consultation. Help is just one phone call away! 614-934-1544

What is a Wage Garnishment?

A wage garnishment is an automatic withdraw of money from your payroll to pay off a debt owed from a lawsuit that was filed against you. As soon as a judgment is rendered against you, the creditor can garnish your wages by law. The creditor can garnish your wages up to 25% in Ohio. The wage garnishment is sent to your employer and comes directly out of your payroll. This means the money is already taken out of your pay before your pay check is issued or direct deposited into your bank account. The wage garnishment will continue until the full amount of the judgment is paid or if a bankruptcy is filed.

Will Filing Bankruptcy in Ohio Stop a Wage Garnishment?

YES, filing bankruptcy in Ohio will stop a wage garnishment by Federal law. As soon as your bankruptcy petition is filed, legal documentation will be sent to the necessary parties giving them notice that a bankruptcy has been filed and that the wage garnishment must be stopped immediately by Federal law. Filing bankruptcy will stop a wage garnishment and will also eliminate most debts such as credit cards, medical bills, personal loans, utilities, and items sent to third-party collections.  It is important that once you have received notification of a lawsuit, judgment, or wage garnishment that you take immediate action.  If you need help resolving a lawsuit and considering filing bankruptcy, we would like to invite you to contact us for a free consultation.  We take a personal approach to solving your financial challenges and never hesitate to take immediate action when time is of the essence.  Help is just one phone call away! 614-934-1544

A Lawsuit Was Filed Against Me Because of a Car Accident. Can Bankruptcy Stop the Wage Garnishment AND Get My Driver’s License Back from Suspension?

YES, filing bankruptcy will not only stop a wage garnishment, but can also help you get your driver’s license back from suspension. If you were involved in an auto accident and were uninsured or underinsured, the insurance company will usually file a lawsuit against you to recover the debt owed from the accident. The insurance company will attempt to garnish your wages and can even suspend your driver’s license until the debt is paid in full. Filing bankruptcy will eliminate the debt owed from the auto accident and will also stop a wage garnishment and get your driver’s license back. You can even eliminate the reinstatement fees when you go to the BMV to get your driver’s license back after you file bankruptcy. For more information about how bankruptcy can help, contact us for a free consultation. Help is just one phone call away! 614-934-1544

Debts That You Can Eliminate by Filing Bankruptcy in Ohio?

• Credit Cards
• Medical Bills
• Personal Loans
• Utility Bills
• Items Sent to Third-Party Collections
• Debt Owed From a Foreclosed Home
• Debt Owed From Repossessed Vehicles
• Evictions
• Attorney Fees
• Reinstatement Fees
• Some Tax Debt

Benefits Received from Filing a Chapter 7 or Chapter 13 Bankruptcy in Ohio

  • Get a Fresh Start by Eliminating Most Debts Owed
  • Cease or Stop All Creditor Collection Efforts Against You
  • Stop a Lawsuit From Beginning or Continuing
  • Stop a Wage Garnishment
  • Stop a Foreclosure / Sheriff Sale
  • Stop a Vehicle Repossession
  • Get a Vehicle Back From Repossession
  • Lower Interest Rate for Vehicle Loan
  • Lower Total Balance on Vehicle Loan to Fair Market Value
  • Stop a Utility Disconnection
  • Get Driver’s License Back From Suspension
  • Restore and Rebuild Credit
  • Help Get Financed For a Vehicle
  • Help Get Approved for an Apartment
  • Stall an Eviction

Call Today to Schedule a Free Bankruptcy Consultation With an Experienced Attorney Who Cares About YOU that CAN Help!

The Law Office of M. Sean Cydrus cares and can help you craft a plan to rebuild your financial future. We understand the stress of financial worry. We use a personal approach to solving your financial challenges and are here to help you through this difficult time. We pride ourselves on the ability to provide our legal expertise with compassion and understanding. We ensure that your rights are protected and never hesitate to take immediate action when time is of the essence. We can meet with you at our conveniently located offices in Columbus and Chillicothe. Call today for a free consultation! Help is just one phone call away! 614-934-1544

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