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Take Control
Of Your Future

Get out of debt and plan for what's next.

PLEASE NOTE: To protect your safety in response to the threats of COVID-19, we are offering our bankruptcy clients the ability to meet with us in person, via telephone, or through video conferencing. Please contact our office to discuss your options.

Bankruptcy Help For Everyday People

Stop Wage Garnishment

When you’re stuck in debt, nothing is more discouraging than watching your hard-earned wages vanish. Wage garnishment in North Carolina is limited to a few types of debt:

  • Unpaid taxes
  • Federal student loan debt
  • Alimony
  • Child support
  • Ambulance services

However, out-of-state creditors with a court order can potentially garnish your wages for other types of debt.

Tax Debts

The IRS is often relentless when it comes to collecting unpaid income taxes. It has the power to garnish your wages even without a court order. Although it can’t garnish more than what’s allowed under federal law, any amount of wage garnishment can still be a hardship, especially if you’re struggling with other debts on top of unpaid taxes.

How Bankruptcy Can Help

When you file for bankruptcy, you benefit from a court order called an automatic stay. This order will immediately stop all wage garnishment for almost any type of debt, including tax debts. The automatic stay will give you valuable time to breathe and sort out your financial picture without the continual drain of wage garnishment.

Find Out Whether Bankruptcy Is Right For You

If you’re already struggling to make ends meet, wage garnishment only makes the situation worse. Fortunately, you may have options. At Wootton & Wootton, P.C., a bankruptcy law firm in Durham and Henderson, our lawyers can help you determine whether bankruptcy makes sense for you.

To sit down with one of our attorneys during a free initial consultation, please call 919-794-8660 or send us an email. You won’t have to pay anything until filing, and we offer no money down for Chapter 13.