Stopping Wage Garnishment
Atlanta wage garnishment attorney Matthew Cherney of Cheney Law Firm
Atlanta wage garnishment attorney Matthew Cherney of Cherney Law Firm can stop your wage garnishment immediately. If you live in the Atlanta area and creditors are garnishing your wages or they are threatening to garnish your wages, Cherney Law Firm can stop it. By filing for Chapter 7 Bankruptcy or Chapter 13 Bankruptcy you will immediately get relief from wage garnishment.
Cherney Law Firm has been helping his clients fight wage garnishment in Georgia for over 8 years. With 3 offices in the Atlanta area, there is a convenient location for you to choose from.
If you are unsure if bankruptcy is right for you, the best thing to do is to schedule a free consultation. Call us at 770.485.4290 or fill out our contact form at the bottom of this page. We can meet in any of our Atlanta Area offices and Mr.Cherney will be happy to discuss your wage garnishment situation.
Don’t Ignore Wage Garnishment
Chances are that you are receiving phone calls and letters about the debt that you owe. Instead of ignoring all of these calls and letters, it is always best to speak with your creditors to see if there are alternatives that can be worked out. Communication is the key.
Wage Garnishment Laws in Georgia
In order for a collection of Involuntary wage garnishment in Ga, the debt collector must have the right of garnishment. There are two types of wage garnishment types, court ordered or non court ordered.
Court Ordered wage garnishment
In a court ordered wage garnishment, the debt collector files a suit in court to collect a judgment against the debtor. If successful, they can legally garnish your wages or your bank account. You can and should appear in court to defend yourself if you believe that you do not owe the debt.
There are circumstances when a court ordered judgment is not necessary for garnishment in Atlanta Georgia.
- Student Loans
- IRS Debt (Taxes)
- Child Support
Can A Creditor Legally Garnish my Wages in Georgia?
The question I always get from clients is, are Wage garnishment is legal? In Atlanta, Georgia. much like most cities in the USA, The answer to that question is yes. Your creditors can legally require your employer to with hold up to 25% of your wages (in some case more) but they must first get a court order to do it. They will send you a notice that to appear in court and whether you appear or not, the court can make a judgment against you.
How to Stop Wage Garnishment in Georgia
The ideal situation would be to contact Atlanta wage garnishment attorney to help you before a garnishment has been ruled against you. Attorney Matthew Cherney can then try and do debt negotiation for you with your creditor. If this does not work, filing bankruptcy before the order against you will stop the moment that you file. That means that the creditor can no longer proceed to try and get a wage garnishment or try to collect the debt that you owe.
One other reason that is very important to some people to stop a wage garnishment before a court grants it is because by stopping it before it happens, you employer will never find out. Once a creditor is granted a judgment against you, they will send a notice to your employer with forms and guidelines about the wage garnishment judgment against you.
It is important to note that even if you are already having your wages garnished, we can help. Unfortunately, this is the situation that a majority of our clients find themselves in. We will stop it immediately and come up with a plan to end your debt problems and give you a brand new start.
Read our Testimonials
Finding a knowledgeable and experienced Atlanta wage garnishment attorney is very important because you need someone who understands wage garnishment law in Georgia. At Cherney Law Firm, all we do is bankruptcy and everything related to debt negotiation and wage garnishment. Feel free to read our testimonials and read our Google reviews. We are very proud to be one of the best reviewed in the Atlanta area.
How Much Does an Atlanta Wage Garnishment Attorney Cost?
We offer a FREE CONSULTATION to all of our clients so you can see for yourself that Cherney Law Firm has the experience and knowledge to help you. We will explain to you what will happen if you choose to use our services or not. Every situation is unique, so we do not have a one price fits all model. It will all depend on what service we provide to help you. Whatever service we do provide, we will offer you a monthly payment. plan.
Georgia Wage Garnishment FAQs
Can my wages be garnished for child support is Georgia?
In the state of Georgia, a court ordered child support comes with automatic income withholding's. Child support garnishments can be up to 50% and even more can be added on if there are arrears.
Can a credit card company garnish my wages in Georgia?
Your credit card company must file a lawsuit in the state of Georgia and win a judgment against you in order to garnish your wages. Once the judgment is made against you, they can garnish your wages or your bank account.
Can my wages be garnished for missed car payments?
If you are late on car payments, your lender will repossess your car if you do not continue to make payments. Once the car is repossessed the lender will sell your car, usually at an auction. If your lender sells the car for less that you actually owed, the difference becomes what is called a deficiency amount. If there is a deficiency amount, your lender can sue you to get a judgment for the deficiency amount in a court of law. If they are successful, they can legally garnish your wages or bank account.
Can my wages be garnished for taxes in Georgia.
The IRS does not need a court order to levy your wages, your bank account or seize your assets in the state of Georgia. A tax levy will be filed against you and you will have 30 days to appeal it. If you do not appeal it OR you lose your appeal, the IRS will use it's levy powers to collect any debt owed to them , A tax levy will stay on your credit report for 7 years, even if you have satisfied the debt.
Can a landlord garnish my wages for rent?
If your landlord is able to get a court judgment, they will be able to garnish your wages or your bank account. They must file a suit against you in the court of law and win. You will be notified and have a chance to defend yourself in court if you think that you do not owe the debt. If you fail to appear, the landlord will most likely win the judgment against you.