THE NEEDLEMAN LAW OFFICE
ATTORNEY SCOTT R. NEEDLEMAN
Columbus Ohio Bankruptcy
Is a creditor garnishing your wages? Are you looking for a way to stop this? While paying the debt is the best way of doing so, you should realize that the bankruptcy process may work in your favor. Furthermore, you may even be able to recover some of the garnished wages during this process.
Once you file for bankruptcy, an automatic stay is initiated. This prohibits collection activities for the time being, meaning that your wages will no longer be garnished. As long as the automatic stay is active, you don’t have to be concerned about creditors garnishing your wages or contacting you to collect.
Note: creditors have the right to ask the court to lift the automatic stay.
It is important to note that there are exceptions to the automatic stay, such as alimony and child support. These are considered “priority debts” by the court, meaning that the obligation cannot be discharged through bankruptcy. Subsequently, if your wages are being garnished to pay these obligations, the garnishment will not stop as a result of a bankruptcy automatic stay.
It is nice to know that creditors cannot bother you when the automatic stay is in place. However, you need to know what happens after bankruptcy. Once you receive a discharge or your case is dismissed without a discharge, the automatic stay is lifted.
Have you received a discharge related to the obligation resulting in wage garnishment? If so, the creditor is not allowed to resume activity. If your case is dismissed without a discharge, the creditor can once again garnish your wages.
There are situations in which you can recover some wages that were garnished before filing for bankruptcy. Typically, you can collect wages that were garnished within 90 days before your filing if covered by an exemption and in excess of $600.
If you are thinking about Columbus bankruptcy as a means of stopping wage garnishment, you should contact Columbus bankruptcy attorney Scott Needleman. There are many details to be aware of, so you must make sure you are 100 percent sure of what the process will entail and how your situation will be impacted.
Posted By: Danny Worth his weight in gold
The best Attorney i had and does'nt play games and straight forward. If it can be done he will get the job done. He did damage control on another well known inexperienced law firm in columbus (clowns) messed up. Scott you're the best!
Posted By: Stephen Very Pleased
Scott Needleman is a wealth of knowledge, his service was accurate and timely. The service provided exceed the price. Thank you.
Posted By: Candice Great Lawyer
He made me feel comfortable from the beginning. I'm so glad a friend suggested him to me. He made the process as easy as possible and I can't thank him enough for his help!
Posted By: William No non-sense
I hires Scott to do a chapter 13. He was/is current with revised laws, knowledgeable, tough and looks out for his customers. And he was a boxer. YIKES!
Posted By: Winfield Chapter 7 Bankruptcy Case
Scott did a good job when I had to file for bankruptcy. He helped me eliminate my credit card debt and it only took 4 months. It didn't take the entire 6 months that I was expecting.
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