When you’re already burdened with debt payments and struggling to make ends meet, the last thing you want is a wage garnishment. It occurs when your creditor sends the employer a court order instructing them to withhold a specific percentage of your paycheck to pay off debts.
The employer must deduct a sum from your salary and transfer it to the creditor’s account. The wage garnishment process starts when the creditor sues you and takes a judgment against you. If you have received a notice, consult a wage garnishment attorney in TX to protect your hard-earned money.
How Can a Wage Garnishment Attorney Help?
Once you hire a lawyer to help with garnishment, you can relieve yourself from the stress and stop debt collection harassment calls from creditors. A wage garnishment attorney in TX aims to fight for a favorable outcome for their clients. Therefore, here are the multiple ways they will try to protect your income:
Ensure That Creditors Don’t Take Undue Advantage of Your Situation
Many people think that wage garnishment is allowed on all types of debt. However, that’s not true. Wage garnishment in Texas is prohibited and only allowed on a few types of debt. It means a creditor can’t garnish wages for ordinary debts. Under Texas law, creditors can garnish a specific percentage of your wage if you owe them court-ordered spousal or child support payments, taxes, or student loans.
So, when you have a wage garnishment attorney in TX for legal representation, they will review your case thoroughly to ensure the creditor has followed Texas laws for garnishment. If not, they will help you create a valid defense to block garnishment and fight back to protect your legal rights. Rest assured, with a lawyer by your side, you can ensure that creditors don’t violate the laws and take undue advantage of your situation.
Navigate Through Debt Relief Options to Block Garnishment Altogether
A wage garnishment attorney can help you negotiate a debt settlement before the case goes through a trial. However, if that is not possible, a garnishment attorney may suggest the ultimate debt relief mechanism- bankruptcy.
By filing for bankruptcy, you can easily stop wage garnishment and even eliminate the obligation to pay debts. An experienced lawyer can help you understand and navigate the successful bankruptcy filing process. They will carefully evaluate your financial circumstance and recommend the best bankruptcy option- Chapter 7 or Chapter 13.
Chapter 7 bankruptcy gives debtors a fresh financial start by eliminating their debt, such as medical bills, personal loans, and credit cards. It is a liquidation bankruptcy. Under this bankruptcy, a trustee may be appointed to sell your assets into cash for distribution among creditors. It is a suitable option if you:
- Have a high credit card debt or medical bill
- Can’t make regular or monthly payments toward your debts
- Have income below or equal to the state median income level
- Have a poor credit score
On the other hand, if you have sufficient income to pay off the debt over time, your attorney may advise Chapter 13 bankruptcy. It is an effective solution for stopping wage garnishment while getting your finances in order. It can help you restructure your loans into manageable payments.
Contact us for more information or consultation with our experienced wage garnishment attorney in TX. At the Law Office of Joel Gonzalez, we work relentlessly to defend our clients and protect their income in the best possible way.
