Attorney Christopher A. Benson.Rated 9.5 by AVVO
There are thousands of people who are unnecessarily getting their wages garnished every pay check. Creditors can take 25% of your gross income from each pay check. A garnishment makes it extremely difficult to manage your finances and pay other bills.
Here is the good news: You can file a Chapter 13 bankruptcy, stop the wage garnishment and have more money every month to live on. But, you have to take a little time and meet with an experienced bankruptcy attorney to find out your options. Most bankruptcy attorney offer a free initial consultation.
The sooner you act, the more money you save and get on the road to recovery. Also, Chapter 13 bankruptcy provides a global solution to all of your financial issues, not just the creditor who is garnishing your wages.
Check out our Client Reviews to read stories about other people we have helped stop their wage garnishment and provide financial relief.
Bankruptcy stops harassment from creditors, it stops the worry about ballooning debt, and it gives you a way to start fresh. But even if it’s the best thing for your situation, some nagging doubts may remain.
Some of those doubts may be due to the many common misconceptions about bankruptcy, what it does, and what it means. Here are five common bankruptcy myths that could change how you think about bankruptcy.
1) I will lose everything. This is False. There are laws governing what you can keep and what can be liquidated, but as long as you are making your home and car payments, you get to keep those and most other belongings. The money in your retirement plan is also protected. Most people actually pass through bankruptcy and keep most of their belongings.
2) My credit is ruined for life. This is False. Just as a foreclosure or a missed payment does not stay on your credit forever, neither does a bankruptcy. You have to work hard to regain your credit rating, but repairing your credit only takes doing the same things it takes to maintain good credit. Pay bills on time, don’t keep balances on unsecured lines of credit, and check your credit report often.
3) Everyone will know I filed for bankruptcy. This is False. Unless you are a celebrity or major corporation, no one is likely to find out that you have filed bankruptcy. It is true that filings are public information, but the only people who are probably interested will be your creditors.
4) You can only file once in your life. This is False. It is possible to file for Chapter 7 bankruptcy every eight years and you can file a Chapter 13 bankruptcy every four years.
5) It’s really hard to file for bankruptcy. This is False. Filing for bankruptcy is not hard, terribly expensive, or a lengthy process. And by law, your creditors have to stop harassing you the moment you file. All you need is a bankruptcy attorney that you trust and a little organization.
Over the past 32 years, the Law Offices of Christopher A. Benson has helped over 2,800 of Washington clients take control of their financial situation. We can stop your garnishment and change your monthly payments for all your combined unsecured debt, and if you have had more than $600 garnished within the last 90 days, we can get the money back in most cases. But you have to act quickly–call (253) 815-6940 for your free consultation, or email us today. Evening and weekend appointments available.
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