The Law Office of Andrew Magdy
Saint Louis Bankruptcy

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Everything You Need To Know About Bankruptcy In Saint Louis

How Do I Stop a Wage Garnishment?

Many of our clients first contact us after they have received a wage garnishment. A wage garnishment is a judicial action by a creditor that allows them to collect a debt owed directly from your paycheck. In Missouri, the maximum amount that a creditor may garnish from your wages is 25%. If you are a head of household, you can reduce this amount to 10%. If you are already in financial trouble, a wage garnishment can be devastating and leave you unable to make your monthly car, rent or mortgage payments. This can lead to repossession, eviction or foreclosure. If you find yourself subject to a wage garnishment we can help.

The filing of a Chapter 7 or Chapter 13 Bankruptcy will stop a wage garnishment. Bankruptcy protection is automatic and we can stop the garnishment immediately. Depending on how much has been withheld, we may even be able to get back some, or all of the garnished wages.

Hopefully, you do not get to the point of having your wages garnished. If you receive a summons regarding a lawsuit it is imperative that you seek legal advice. If you fail to attend the hearing, your creditor will obtain a judgment and can begin to take collection efforts including garnishing your wages, freezing your bank account and placing a lien on your home. However, it’s never too late to address your financial problems. If your wages are being garnished or you fear they may be garnished in the future, contact one of our experienced bankruptcy attorneys today.