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Will stop a Garnishment of your wages or checking & bank accounts immediately.
Upon the filing of a bankruptcy petition the law will immediately stop the Garnishment of your wages or bank accounts.
WE MAY BE ABLE TO GET YOUR MONEY BACK !!!!!!!!!
FILE BEFORE RETURN DATE.
Virginia allows a creditor to garnish 25% of your wages or 100% of your bank accounts usually between 3 to 6 months at a time. The return date is the date at the end of the 3 or 6 month period when the creditor goes to court to pick up YOUR money. If we file your petition before that date, we can usually get that money back for you.
If the court is holding your money, we may be able to use those funds for fees and costs. We realize you may not have much money to hire a lawyer if your wages are being garnished or your bank accounts have been frozen. Call us and we will help you.
A Chapter 7 Bankruptcy
In most cases the Chapter 7 will discharge the debts and the creditors will not be able to garnish you.
A Chapter 13 Bankruptcy
In a Chapter 13 Bankruptcy, we can put your debts into a repayment plan. We can stretch out your payments over 60 months. As long as you are making payments into your plan, the creditors cannot garnish you. Based on your income and assets, you may be able to pay back pennies on the dollar.