Wage Garnishment Attorney in Loveland, Colorado 

Experienced Legal Representation for Wage Garnishment Issues

Many Americans across the country are struggling with debt and their financial situation due to various factors. As layoffs and furloughs impacted millions due to COVID-19, you may be struggling with mounting financial debt yourself. Getting out of your financial hole may be difficult, especially if you are dealing with wage garnishments.

Wage garnishments are essentially chunks of each paycheck that are withheld from you by your employer and then distributed to creditors that are owed by you. This practice can be incredibly costly to you, especially if you need all the money from your paycheck to provide for your family.

If you are dealing with wage garnishments, there are ways to put an end to them with the help of one of our garnishment attorneys from Loveland.

Seek the help you need by giving us a call at 970-205-9690 and setting up a free consultation. From there, we can take a look at your financial situation and see how we can best help you and your family achieve your financial goals going forward.

What Is Wage Garnishment?

Wage garnishment occurs when a portion of your paycheck is withheld by your employer and sent directly to a creditor. This can continue until the debt is fully paid or a legal order stops the garnishment. It often begins after a creditor sues you and wins a money judgment in court. However, in certain cases—such as unpaid federal student loans, taxes, or child support—a court order is not required.

Losing part of your paycheck can be devastating, especially when you’re already struggling to meet your basic needs. Garnishment can make it nearly impossible to pay rent, utilities, or support your family. That’s why it’s essential to seek legal help as soon as possible.

Who is Allowed to Garnish My Wages?

Many creditors may have a legal right to garnish your wages, but there are a select few that do not need to sue you first to gain the right. If federal student loans, unpaid taxes, and child support are owed, then creditors have a right to garnish your wages without a judge’s approval.

However, other debts, such as consumer credit card debt and medical expenses, require creditors to seek a money judgment in order to garnish your wages.

In any case, you should explore your options to see if you can put an end to your wage garnishments as soon as possible to regain control of your financial situation. A wage garnishment attorney from our law office can provide you with the help you need to stop wage garnishment and move forward.

Can I Stop Wage Garnishments?

Putting an end to wage garnishments may be difficult, especially if the entity garnishing your wages has a legal right to. However, there are ways to stop your wage garnishments, even if it is temporary.

If you receive a wage garnishment notice or have been undergoing it for some time, you may be eligible for an exemption by raising an objection or filing an exemption claim. These can exempt you from wage garnishments, even if it is just a portion of your paycheck.

By doing this, you can get the flexibility to maintain yourself and your family without worrying about whether or not you will be able to make ends meet. Consult with our law office as soon as you can to learn more about the options you may have available to put an end to wage garnishments.

How Can Bankruptcy Help?

Filing for Chapter 7 or Chapter 13 bankruptcy may stop wage garnishment immediately. Once bankruptcy is filed, an automatic stay goes into effect that halts most collection efforts. Depending on your income, assets, and debts, bankruptcy can either discharge your eligible debts or create a structured repayment plan, giving you room to breathe and rebuild your finances.

How Can a Lawyer Reduce or Get Rid of My Wage Garnishments? Can a Lawyer Stop a Garnishment?

With the help of a wage garnishment lawyer, you can take advantage of their legal knowledge to see which option may be best for you. One of the most effective ways to put an end to wage garnishments is by filing for bankruptcy with the help of your lawyer.

Bankruptcy enacts the state’s exemption laws that will end up determining just how much of your income you will be able to keep. Depending on your situation, bankruptcy may not only provide you with immediate relief regarding your wages being garnished but can also alleviate all the debt you have collected over the years.

Wage garnishments can be problematic, especially when you are already struggling to keep your head above water. Looking at ways to alleviate your wage garnishment concerns can go a long way toward your financial recovery. Speak with our legal team today to see what option may be best for you and your family. Call the Holland Law Office at 970-205-9690 to schedule a free consultation today with our experienced attorneys.