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The effect of bankruptcy on wage garnishments

Washington residents who are mired in debt may have already experienced one negative financial consequence -- wage garnishment. This can have serious repercussions for those employees whose paychecks are being garnished.

Wage garnishments can be very embarrassing, because a worker's employer will realize that the employee is really struggling financially. Even though employers cannot fire an employee for his or her first garnishment, they can form negative opinions about their employee's self-discipline or financial decision-making skills. In cases where the employee has access to sums of money or banking transactions, wage garnishment can make employers nervous about their employee's integrity.

Having worked in the field of bankruptcy law for over a quarter century, we have assisted many clients with getting wage garnishments halted by the filing of a Chapter 7 or Chapter 13 bankruptcy petition.

While it may sometimes seem as if debtors cede all control to the bankruptcy court and the trustee, this can actually be a step in the right direction. In many cases, having someone (temporarily) assume the financial reins can help a debtor get the credit counseling and debt restructuring they need to make a fresh start.

Put an immediate end to wage garnishments that can gobble up to 25 percent of your net pay and get back on the right financial track. We will work to get you back on solid financial footing by petitioning the bankruptcy court to get all eligible debts discharged.

After meeting with you and assessing your financial situation, we can offer advice as to whether filing for Chapter 7 or Chapter 13 personal bankruptcy will be more advantageous in your particular situation.

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Law Office of Ruth Nelson
7742 14th Avenue NW
Seattle, WA 98117
Phone: 206-633-2517
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