Has your paycheck been garnished (taken)? Has your bank account been frozen? If you
are like most people, then you cannot afford that.
You can STOP the garnishment
process in its tracks. In many cases, you can get the money back. But you need to act quickly.
What are your options? You should talk to attorney about your own situation,
but usually the options are these:
1. 1. Object
to the garnishment in the state court.
2. File a bankruptcy case.
The first option
is one we can help you with, but it may only solve a part of your problem, and may only delay the collection process.
Bankruptcy often is the better solution, since it will deal with many of your other
debts, too, and will stop the garnishment permanently. But, you may wonder how
can you afford to file a bankruptcy when your paycheck is smaller or your bank account has been frozen?
We recognize this is a problem that prevents people from getting the legal help they need.
We also know that you may be able to get back the money that was taken from your paycheck or bank account, BUT ONLY IF YOU
We file bankruptcy cases for people in this situation, if they
are willing to agree to pay us from the funds that were garnished. This is money that is lost if you don’t act, so why
not use it to pay for the legal help you need to stop it from continuing?
have had many clients come to us, not knowing they could get the money back, and not knowing how they would pay us. They have
been very happy with this solution, and we want to offer it to you, too. Do not let the garnishment go on and on. Get the
help you need.
Q: What do I need to do?
A: Call us at (319) 338-9852 or email us here, and we will “fast-track” your filing.
if I don’t file a bankruptcy case?
A: Still contact us, and we will see if we can save you some money. There are limits on how much can be garnished from each paycheck
(usually about 25% of after-tax earnings) and per year (depending on your income level), but you may be able to get a court
order returning some of the funds to you or reducing the amount that can be taken in the future based on your expenses.
Q: How will this affect my credit?
It depends on your current credit score. If you have a court judgment against you, your credit score is probably very low,
and filing a bankruptcy will probably not hurt it any further, and may actually help it.
Q: What if I am being garnished for child support, or by a student loan lender or the government for taxes?
A: Special rules apply in these situations. Talk to us if these situations affect you.