Crown Point Bank Account Garnishment Lawyer
Are you being threatened with wage garnishment? Is a creditor already garnishing your wages? Filing for bankruptcy can stop garnishment. In fact, it is the most common way to stop wage garnishment.
I am Andrew L. Kraemer, a Merrillville wage garnishment attorney. I have 20 years of experience helping people in Indiana fight garnishment of their wages. For a free initial consultation, please call my office at 219-472-1441 or contact me online today.
How Bankruptcy Can Help
All types of bankruptcy can stop wage garnishment. When you file for bankruptcy, you receive an automatic stay. This puts a stop to all collection activities during the bankruptcy process. Creditors will no longer be allowed to call you or garnish your wages. The automatic stay also prevents property or collateral seizure and the filing or foreclosure of liens.
Facts About Wage Garnishment
Under federal law, you cannot be fired if your wages are garnished due to a single judgment. In addition, creditors are not allowed to garnish more than 25 percent of your disposable income. If you are considered low-income, creditors may be allowed to garnish less than 25 percent of your salary.
If you need the garnished portion of your wages to support yourself, a spouse or a child, you can object by filing a form with the court. There are some earnings and benefits that a creditor is not allowed to garnish:
- Social Security benefits
- Unemployment insurance
- Workers' compensation
- Disability or health insurance benefits
- Retirement plans
- Relocation benefits
To make an appointment, please call 219-472-1441 today. Your initial consultation is free.