Does this sound like a fair scenario? You work hard to make a living. You are behind on your bills, and many of your credit cards have been turned over to a collections agency. The agency begins taking money out of your paycheck, putting you even further into debt and unable to pay your daily expenses. While this is legal, it hinges on being unfair. At Fox Law, we offer people an alternative to living with wage garnishments and lawsuits. Through Chapter 7 or Chapter 13 bankruptcy, you can stop the garnishments.
Keep the Money You Work So Hard to Earn. Call Today.
If you would like to stop garnishment in Tennessee, call to speak with experienced Bankruptcy Attorney, Eric Fox, in a free initial consultation. We can be reached via phone at (615) 264-5695. If you are at all concerned about a collection lawsuit and your wages being garnished, he can get the bankruptcy process started as soon as possible.
Why Are They Taking My Wages?
Let’s say you stopped paying your credit card bill. After a certain period of time, which can differ from credit card company to credit card company, the creditor will send your bill to a collections agency. The collections agency will often make harassing phone calls in an attempt to collect the money you owe. Or, the creditor may take you to court over the unpaid bill. If the creditor wins the lawsuit, they obtain a garnishment order, and your wages end up being garnished as a way to pay the bill.
In addition to lawsuits for money, creditors can sue for possession of collateral. People often experience this type of lawsuit with car repossession, which bankruptcy can also stop.
The way to stop all of the collections and repossession is through bankruptcy. When our law firm files Chapter 7 or Chapter 13 bankruptcy on your behalf, an automatic stay will be filed. The automatic stay stops creditor harassment, late fees, interest charges, wage garnishments and lawsuits. The creditors must now go through the court, and if they still contact you, you can tell them to call our law firm.
What if My Wages Are Already Being Garnished?
It can depend on the situation and the time that has passed, but we can often stop the wage garnishment. And, as long as the creditors have not received the garnished wages as payment, the money can be returned to you.
Contact Us to Stop a Debt Collection Lawsuit in Hendersonville
Call us today at (615) 264-5695 for a free consultation via phone, in-office, or video conference with experienced Bankruptcy Attorney Eric Fox.
We are located in Hendersonville, Tennessee and have been assisting residents all over Middle Tennessee for 18 years. Our office hours are Monday through Thursday from 8:00 a.m. to 5:00 p.m., Fridays 8:00 a.m. to 3:30 p.m., with evening and weekend appointments available upon request.
We are here to help you.