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Can I stop wage garnishment by filing for bankruptcy?

If you have acquired debts that have resulted in wage garnishment, this can be a very demoralizing experience. Being subject to wage garnishment can make you feel as though you are working only to keep your head above water, and it can feel impossible to have a good quality of life with the wages that you are left with.

In addition, wage garnishment can mean that you acquire even more debt due to your need to take out loans or use credit cards in order to finance your living expenses. This can lead to a vicious cycle. If you are stressed with overwhelming debts and wage garnishment, it is important that you do not bury your head in the sand, and that you learn how to take action.

Benefiting from the automatic stay in bankruptcy

One of the many benefits of filing for bankruptcy is the promise of an automatic stay. This grants the debtor relief from all collection efforts made by creditors and debt collectors after they have filed. This can be a huge emotional and financial relief for debtors. In the majority of cases, it will mean that wage garnishment will immediately stop. It is important to note that this halt is considered as a temporary measure since you will still need to repay the debt.

If your wages are garnished because of unpaid child support or alimony, these will continue regardless of your bankruptcy filing.

If you are struggling financially as a result of wage garnishment in Washington, it is important that you explore all the options available to you. An experienced attorney can help.

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