Often creditors will file a civil lawsuit in order to collect debts they believe are owed to them. At the end of the lawsuit, the creditor who brought the suit will receive a judgment from the court. The creditor then will be able to issue a writ of garnishment on the judgment, which may be served on a debtor's employer and/or on a bank in which the debtor has an account of checking and/or savings.
End Creditor Harassment — Call Lawyer Steve Westerfield Today
When served with a writ of garnishment an employer and/or a bank is required to withhold a large portion of the debtor employee's paycheck or the money in a debtor's bank account and pay the money, which has been withheld, to the creditor who obtained the civil judgment.
Such a disruption of a person's source of income and/or seizure of funds from a bank account can obviously have serious consequences. As a result of a garnishment, utilities can go unpaid, checks can bounce, and financial problems can become much worse.
There Is a Garland County Attorney for Stopping Debt Collection Harassment
Thankfully, garnishments of all types are immediately stopped when a Chapter 7 or a Chapter 13 case is filed. In fact, a bankruptcy filing will prevent lawsuits from being started if the bankruptcy is filed before the lawsuit starts. If a lawsuit has already started, a bankruptcy filing will stop a lawsuit in its tracks.
Debt Relief Is Available in Hot Springs, Arkansas
Even if a judgment on a creditor's lawsuit has already been entered by a court, a bankruptcy will stop such a judgment from taking effect and, as stated above, will immediately stop garnishments and other collection activity
If you are being sued or if your paycheck or bank accounts are being garnished, you are invited to call Hot Springs wage garnishment attorney Steve Westerfield at 501-623-3922 or e-mail him for a free initial consultation.
Our office also offers services in Spanish. Esta oficina ofrece servicios en español.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.