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Don't get trapped in wage garnishment nightmares

Last week, we talked about the fact that there isn't really an easy way out of debt. When you're facing serious actions from collectors, it can be easy to get caught up in the hope that a too-good-to-be-true offer is, in fact, a true offer that has arrived just in time to save the day. In reality, that type of ending doesn't often cap a debt story.

By the same token, you don't have to fall willingly into the unhappy ending, either. When you don't respond to creditor protection, debt issues can escalate to judgments, Judgments can then become wage garnishments. Chances are, you were struggling to pay your debt in the first place because you didn't have enough income to go around. Wage garnishment just enhances that problem, often trapping you in a debt spiral.

While creditors do have a right to seek wage garnishments in several cases -- especially if a judgment is entered against you -- you also have rights. Our firm can help you seek protection from creditors through legal methods. One legal method that can put a stop to wage garnishment and help you get back on track financially is bankruptcy.

Once you file for bankruptcy, most creditor action essentially gets put on hold as your bankruptcy case is adjudicated. The result of a bankruptcy case is usually a discharge of debt or a restructuring of debt that works with your current ability to make payments.

As we said last week, bankruptcy is not an "easy way out." It takes time and some work on your part, but we are here to walk you through the process and reduce some of the stress associated with financial woes.

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