Wage Garnishment Attorney

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 If you are being overwhelmed by a wage garnishment, bank levy, or court judgment, you are not alone — and help is available. At Bruce W. White, P.C., we help individuals stop garnishments and regain financial stability through Chapter 7 or Chapter 13 bankruptcy.

Filing bankruptcy can immediately stop wage garnishments, bank levies, and other collection actions through the automatic stay, putting money back in your paycheck and giving you relief from creditor pressure.

A Chapter 7 bankruptcy filing is often the fastest and most effective solution for wage garnishment and overwhelming debt. Most people qualify for Chapter 7, and it can eliminate many types of unsecured debt, including:

• Credit card debt 
• Medical and hospital bills 
• Personal loans
• Payday loans
• Car repossession balances
• SBA loans
• Past-due rent from a prior landlord
• Utility bills from previous provider 
• Certain older tax debts
   

For individuals who do not qualify for Chapter 7, Chapter 13 bankruptcy can also stop garnishments while allowing you to repay debts through a manageable court-approved plan.

📞 Call Bruce White at (804) 288-4328 to learn which bankruptcy option is right for you.

Many clients are surprised to learn that Chapter 7 bankruptcy does not permanently damage your credit. In fact:

• Credit scores often begin improving within 12 months
• Many filers qualify to purchase a home within 3–4 years after discharge
• Car loans are frequently available within 6 months
   

Bankruptcy is not the end—it is a fresh financial start.

Wage garnishment is a legal process that allows a creditor to collect a debt directly from your paycheck. This can make it difficult—or impossible—to cover basic necessities such as groceries, transportation, and housing.

Bruce W. White is an experienced wage garnishment attorney in Richmond, VA who knows how to stop garnishments quickly and legally, helping you keep more of your hard-earned income.

If you default on a debt, a creditor may file a lawsuit to obtain a judgment. If no repayment arrangement is made, the creditor can issue a garnishment summons requiring your employer to withhold part of your wages.

In Virginia:

• Wage garnishment generally requires a court order
• Garnishment is often used as a last resort, but some creditors act aggressively
• Once garnishment begins, quick legal action is critical
   

If you have received notice of a wage garnishment—or are already being garnished—contact Bruce W. White, P.C. immediately to speak with a knowledgeable Richmond wage garnishment attorney.

There are several legal strategies that may reduce or eliminate wage garnishment:

Virginia law provides exemptions that may protect certain income from garnishment. For example, Social Security benefits cannot be garnished by most creditors. If your income is largely exempt, garnishment may be reduced or stopped.

If the judgment against you is invalid or improperly entered, you may be able to file a motion to have it set aside.

If exemptions do not apply and the judgment is valid, bankruptcy is often the most powerful and permanent way to stop wage garnishment and eliminate the underlying debt.

At Bruce W. White, P.C., we have decades of experience helping clients stop wage garnishments, eliminate debt, and regain financial control. We understand the urgency of your situation and act quickly to protect your income.

📞 Call (804) 288-4328 now for a free telephone consultation.

Speak directly with a trusted bankruptcy and wage garnishment attorney in Richmond, VA and take the first step toward lasting financial relief. Call Bruce White 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. Your first phone consultation is free, so call (804) 288-4328 now.

We help clients stop wage and bank garnishments throughout the Richmond area, including:
 

• Richmond, VA
• Henrico County
• Chesterfield County
• Hanover County