Wage Garnishments, Judgments, and Warrants in Debt

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We can stop Garnishments with a Chapter 7 or Chapter 13 Bankruptcy filing and get your money back.  We can stop Judgments from becoming collection nightmares with a Chapter 7  or Chapter 13 Bankruptcy filing.

We can stop Warrants in Debt from becoming Judgments which turn into Garnishments with a Chapter 7 or Chapter 13 Bankruptcy filing.   

A Chapter 7 Bankruptcy filing can be the answer to your financial difficulties. Chapter 7 Bankruptcy is available to most people. It will erase most debts, including credit card debt, medical bills, car repossession balances, personal loans, SBA loans, rent from a previous landlord, and utility bills from a prior vendor. It can even discharge older taxes.

Call Bruce W White at 804-288-4328 to learn more about what a Chapter 7 Bankruptcy can do for you. Most people are surprised to learn that after a Chapter 7 Bankruptcy, your credit will bounce back in about a year, and that most filers are eligible to purchase a home in 3 to 4 years after discharge. Car loans are available within 6 months. Call today to discuss your situation

We Will Fight for You

Wage garnishment is the legal procedure by which a company recovers money it is owed by taking it directly from the debtor's paycheck. A garnishment can hinder your ability to pay for necessities, such as putting gas in the car and food on the table. Bruce W White can help to put that money back in your bank accounts.

If you have defaulted on a loan,  your creditor can file a lawsuit against you in order to recover the debt that you owe. If the creditor obtains a judgment against you and you do not establish a repayment arrangement with your creditor, the creditor may issue a garnishment summons to your employer to withhold your wages.

Most states, including Virginia, have laws that only allow a creditor to garnish your wages through a court order. The majority of creditors use wage garnishment as a last ditch effort to collect on a debt owed, however some creditors are more aggressive than others. If you have been notified that you will be subject to wage garnishment, or are currently being garnished, you should contact the office of Bruce W. White, P.C. immediately to speak to a Richmond wage garnishment attorney.

• If you are suffering from wage garnishment there are several steps you can take to reduce or eliminate the garnishment, including:
• File an Exemption Claim- The state provides exemptions that you can claim in order to possibly reduce your wage garnishment, or eliminate it altogether. For example, a creditor does not have the ability to garnish social security funds. If the majority of your wages are from social security you may be protected from garnishment.
• Vacate the Judgement- If you believe that the judgement filed against you was not valid, you can file a motion to have it removed.
• File Bankruptcy- If you are not protected under the law from garnishment and the suit is valid, filing bankruptcy may be your only way to stop the creditor from garnishing your wages.

At Bruce W. White, P.C, we have the experience necessary to help reduce or eliminate your debt and the wage garnishment. Contact us today to speak with a Richmond wage garnishment attorney who can help you. Your first phone consultation is free, so call (804) 288-4328 now.