Lawyer for Wage Garnishment Through Bankruptcy in Oklahoma City
Bankruptcy Stops Wage Garnishment – Call (405) 725-1441
Are you concerned that your paycheck will be garnished by creditors? Already dealing with wage garnishment? Call Alexander Hilton & Associates, an Oklahoma Bankruptcy Attorney skilled in stopping wage garnishments Since 1990.
Wage garnishment typically cannot be stopped or addressed legally until a person files for bankruptcy through a lawyer. Once a bankruptcy petition is filed, an automatic stay is put in place, which temporarily halts most collection efforts, including wage garnishment. This stay gives the debtor legal protection from creditors while the bankruptcy process is underway. Without filing for bankruptcy, garnishment continues, and legal intervention is limited. Therefore, consulting with a lawyer and officially filing for bankruptcy is crucial for those seeking relief from wage garnishment.
We can stop wage garnishments. Contact us online or call (405) 725-1441 for a free evaluation with
our wage garnishment attorneys are ready to help you!
Understanding Wage Garnishment in Oklahoma
What Is Wage Garnishment?
Wage garnishment results when a creditor sues you and obtains a judgement in state court. The court then orders your employer to deduct 25% of your paycheck and mail it to your judgement creditor until the debt is repaid. Garnishments most commonly arise with unpaid Credit card accounts, auto repossessions, medical debts and delinquent student loans.
Can a Wage Garnishment Be Stopped?
Wage garnishments can be stopped through two options:
- 1) Pay the debt in full with interest and attorney fees.
- 2) File bankruptcy. You may file for Chapter 7 or Chapter 13 bankruptcy.
Debt Settlement vs. Bankruptcy: What's Best for You?
What About Debt Settlement?
- Costs more than bankruptcy
- You must pay tax on all settled debts which are classified as “income” (not so with debts discharged in bankruptcy).
- Debt settlement can take years. Bankruptcy discharge is normally issued in 90 days.
- Most people who opt for debt settlement are advised to stop paying their creditors and then get sued anyway. They are then forced to file bankruptcy after paying excessive fees to non-attorneys while their credit standing has been damaged for an extended period.
The most effective and immediate option is filing for bankruptcy. However, it is crucial to discuss to discuss your case with a knowledgeable, experienced Bankruptcy Lawyer in Oklahoma.
When you do file for bankruptcy, an automatic stay is ordered by the United States Bankruptcy Court. This injunction orders all creditors and debt collectors to stop collection immediately, including wage garnishments.
Local Support for Wage Garnishment Issues in Oklahoma City
Living in Oklahoma City, you know that financial challenges can arise unexpectedly. Whether you're dealing with mounting medical bills from Integris Baptist Medical Center or facing credit card debt, wage garnishment can add significant stress to your life. At Alexander Hilton & Associates, we understand the unique financial pressures faced by residents of Oklahoma City and can help you navigate these difficult times.
Our firm is well-versed in the local legal landscape and familiar with the procedures of the Oklahoma County Courthouse, where many wage garnishment cases are processed. We also recognize the importance of local resources such as the Oklahoma Department of Consumer Credit, which provides valuable information on managing debt and understanding your rights.
Finding Customized Solutions for Clients
One of the common problems for Oklahoma City residents is the impact of wage garnishment on their ability to cover essential living expenses. With the cost of living in areas like Bricktown and Midtown, losing a portion of your paycheck can make it challenging to pay rent, utilities, and other necessities. Our team is dedicated to providing solutions that can help you regain control of your finances and protect your hard-earned income.
We know the local community and the specific challenges you face. Whether you're a state employee worried about garnishment affecting your job or a small business owner in the Paseo Arts District struggling with debt, we have the knowledge and experience to assist you. Our goal is to offer personalized legal guidance that addresses your unique situation and helps you achieve financial stability.
Don't let wage garnishment disrupt your life. Contact Alexander Hilton & Associates today to take the first step towards financial relief.
Get Immediate Relief from Wage Garnishment
Call to Talk with an Oklahoma City Wage Garnishment Lawyer
Wage garnishments can be scary and overwhelming. You do not have to navigate this alone and you should get legal help. Alexander Hilton & Associates has the expertise to protect your hard-earned wages. We look forward to providing the legal guidance you need.
Schedule a free consultation with our Oklahoma wage garnishment attorney today by calling (405) 725-1441!
```
