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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

Note that certain types of obligations–including alimony and child support are not dischargeable. The automatic stay ending wage garnishment may not apply to some obligations. Your lawyer will explain what bankruptcy may do for you. Often, these issues become less formidable with the relief that bankruptcy provides. It is important to make the decision to set up a free consultation to learn more. Call 919-794-8660 now to get the true answers you need to move forward with confidence.

It is also important to understand that out-of-state creditors with a court order can potentially garnish your wages for other types of debt. Your consultation will be helpful for you to understand the big picture, as the bankruptcy law is complex. Each individual situation, including yours, has nuances. Individualized analysis of the facts and the complete debt issues is required to provide the answers you need to understand your options. The internet and many so-called debt-consolidation or debt-relief gurus may not necessarily provide you with the full picture.

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, 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, text us at 919-382-3065 or send us an email. You won’t have to pay anything until filing, and we offer no money down for Chapter 13. Consultations are available in person, over the phone or through video conferencing.