Wage Garnishment Lawyer in Loveland

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 a wage garnishment lawyer from Loveland.

Seek the help you need by giving us a call at 970-232-3097 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.

Who is Allowed to Garnish My Wages?

There are several creditors who may have a legal right to garnish your wages, but it’s important to know that not all creditors must first file a lawsuit to gain this right. In certain cases, such as when federal student loans, unpaid taxes, or child support are owed, creditors have the authority to garnish your wages without the need for a judge’s approval. This can lead to significant financial stress, as a portion of your earnings may be taken directly from your paycheck.

On the other hand, debts like consumer credit card balances or medical bills require creditors to first obtain a money judgment in court before they can pursue wage garnishment. This means that for these types of debts, creditors must take legal action and obtain a court order before any garnishment can occur.

Regardless of the type of debt involved, wage garnishment can be a major obstacle to your financial stability. It’s crucial to explore your options to see if you can put an end to these garnishments and regain control of your finances. A wage garnishment attorney from our law office can assist you in finding the best solution, whether it’s negotiating with creditors, filing for bankruptcy, or seeking other legal avenues to stop the garnishment process and help you 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 already been facing garnishments, you may have options to regain control of your paycheck.

Wage garnishments can place significant strain on your financial well-being, but by raising an objection or filing an exemption claim, you may be eligible to reduce or stop the garnishment altogether. This process can allow you to protect a portion of your paycheck, helping you to meet essential financial obligations.

Strategies To Stop Wage Garnishment

1. File Objections: We help you raise objections to garnishments when the creditor fails to follow proper procedures or violates legal limits on wage deductions.
2. Claim Exemptions: We assist in filing exemption claims that could protect part or all of your income, ensuring you have enough to cover necessities like rent, utilities, and groceries.
3. Negotiate with Creditors: We negotiate with creditors to explore payment plans or settlements that can eliminate debts and the need for garnishment.
4. Stop Wage Garnishments Through Bankruptcy: If wage garnishments threaten your livelihood, filing for bankruptcy under Chapter 7 or Chapter 13 can provide immediate relief by halting garnishments through an automatic stay.

At Holland Law Office, we believe everyone deserves the chance to maintain their financial stability. Wage garnishments often reduce paychecks to levels below the federal minimum wage, leaving individuals struggling to meet basic needs.

Our team works diligently to evaluate your situation and outline the steps necessary to stop wage garnishments, giving you the financial breathing room you need. Don’t let wage garnishments leave you feeling overwhelmed by the garnishment amount. Contact us today for a free consultation to learn how we can help you protect your income and move toward a more secure financial future.

How Our Team Can Help

Wage garnishments can severely disrupt your financial stability, but with the right legal support, you can explore effective solutions to regain control of your income. At Holland Law Office, we help clients navigate their options, whether it involves filing an objection, claiming exemptions, or using bankruptcy as a tool to stop garnishments and protect their income.

Our team begins by thoroughly evaluating your unique circumstances, including the reasons behind the garnishment and how much of your paycheck is being withheld. Understanding the details of your case is the first crucial step in identifying the most appropriate solution.

Once we’ve assessed your situation, we provide clear guidance on available strategies to stop the garnishment, such as filing for bankruptcy or asserting your rights under state and federal exemption laws.

If bankruptcy isn’t the right path for you, we can negotiate with creditors to explore other options, such as repayment plans or settlements, to resolve your debt without continuing wage garnishments. At Holland Law Office, we understand the hardship caused by losing a significant portion of your paycheck, particularly when it reduces your income below the federal minimum wage. By working with us, you gain an ally who will guide you through these challenges and help you find the right solution to protect your financial future.

Take the first step toward financial freedom. Call us today for a free consultation to learn how we can help you stop wage garnishments and move toward a fresh start.

Do I Need a Wage Garnishment Attorney for My Case?

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 garnishment lawyer today to see what option may be best for you and your family.

Give us a call at 970-205-9690 to schedule a free consultation today with our experienced bankruptcy attorneys.