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Stopping Wage Garnishment in Atlanta Atlanta, GA

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Stopping Wage Garnishment in Atlanta

In the current poor economy, many people are having trouble paying their bills. Creditors are aggressively attempting to collect from people who have fallen behind on their payments. Non-stop collection calls can cause people to become afraid just to answer the phone.

When creditors cannot connect with people, they will pursue other means to collect money owed to them. Eventually, creditors will step up their recovery efforts by taking legal action.

Wage Garnishment

When a person falls behind on paying his or her debts, a creditor can sue the person to obtain a judgment for the amount of money that is owed. Once an individual has been sued, the creditor may file a garnishment in the court. The creditor may attempt to garnish the individual’s bank account, wages or both. When money is already tight, a wage garnishment can be devastating.

The law allows creditors to take 25 percent of a person’s “disposable” income with a garnishment. The law considers a person’s disposable income to be the amount which is left after taxes and certain deductions.

Short of paying off the creditor in full, stopping wage garnishment can only be accomplished by filing bankruptcy.

An experienced Georgia Chapter 13 bankruptcy attorney will be able to help. Chapter 13 bankruptcy offers a number of advantages to help people who have fallen behind on child support or tax obligations.

Automatic Stay on Collections

One of the biggest benefits of filing bankruptcy is the automatic stay on creditors’ collection actions against an individual and his or her property. The automatic stay is triggered immediately upon filing. From that point, creditors may not continue with any collection activities, including wage garnishment, letters, phone calls and lawsuits. An individual does not need to take any additional action. Creditors are notified of the bankruptcy from the list provided in the bankruptcy petition.

An Atlanta Bankruptcy Attorney Can Help

Creditor harassment can quickly compound the stress of financial troubles. When creditors start garnishing wages, people may be forced to make tough choices. Bankruptcy may be a solution. If your creditors are threatening you with legal action or you are already facing garnishment, contact an experienced Atlanta bankruptcy attorney to review your choices.

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Our Client Reviews

Gingold & Gingold LLC
5.0 / 5.0

Based on 28 reviews

Jack L.

They did an excellent job with my case. Jamie took the time to really listen and understand things. She delved into the details and was extremely knowledgeable and non judgmental. Very professional and they know what they are doing. Would definitely recommend!

All C.

Mr. Gingold was recommended by an attorney I had worked with previously. I met with Ira Gingold to discuss credit issues. He went over each specific issue thoroughly. He advised me of the potential outcomes. He did all this in one meeting for a very reasonable price. When we finished I was confident in moving forward with a resolution. He definitely wants to help people take the appropriate course of action for their circumstance.

Karen B.

Dear Mr Gingold, There are so many reasons to be thankful for all you have done and will do. Anyone who has ever had unfavorable experiences with an attorney or the legal system will feel the trepidation that I experienced once I realized that my situation seemed hopeless. It was by chance and happily good luck that I decided to put my future and sanity into your hands. I was mortified at having to deal with my debts by claiming bankruptcy. I remember in our first meeting how you assured me that I was not alone and should not feel ashamed. And, anyone in this position obviously does not have money to spare and you were clear about all the costs and allowing me to pay according to my own ability to do so. You advised me in all aspects of the law, but also, you were at each meeting incredibly supportive and complementary of my personal and professional plans. Anyone else in this situation should feel blessed to have access to your expertise and support.

Lyla B.

I thought the process of filing bankruptcy was going to be a difficult one. However, Gingold & Gingold treated me with respect and dignity from the moment I walked through their door. I had the pleasure of working with Jamie. She is very responsive, professional, and knowledgeable. She took the time and listened to my every concern and handled each and every one of them to my satisfaction. My experience with filing bankruptcy under Gingold & Gingold's representation exceeded my expectations in a major way. They gave me such a peace of mind. I am very pleased with my decision of going with Gingold & Gingold to represent me when I filed Chapter 13 bankruptcy.

Julie T.

Wow! I am finally out of debt and can say that I am debt free after completing my chapter 7 bankruptcy case with Gingold and Gingold. Mr dangled was very knowledgeable and direct with regard to my debt situation. there were no surprises and the case went as I was advised. The staff was also very helpful whenever I had a question. I will definitely recommend them in the future to my friends.

Sherard W.

I cannot say enough about this law firm. From the initial consultation to our discharge, the entire office kept me updated with every step of the entire process. I came to the Gingold after a bad experience with another law firm. Ira and Jamie immediately began treating me like family through this experience. In the end, they assisted with eliminating many debts including my 2nd mortgage. I cannot say enough about the experience and knowledge that Ira brought to the table from the office visits to the court time. Thank you very much for helping me through this tough time. Thank you.

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