Wage Garnishment Options

Wage garnishment is a court order that requires your employer to deduct money from your salary and wages. These garnished wages are then paid to a creditor. Wage garnishment orders can demand portions of your paycheck for resolving debts like spousal/child support, student loan debts or payments that may be part of a Chapter 13 repayment plan. However, it can only be done after a lawsuit has been successfully filed and ordered by the court. This means that you have a small window of time to develop a plan to resolve your debts before the garnishment order is issued.

Do I Have to Pay My Debts Through Garnishment?

While you are obligated to repay any debts  borrowed, you do not have to have them garnished. There are ways to resolve your debts and keep your wages from being garnished. If you are determined to stop wage garnishment, you must first open a communication channel, preferably with the creditor itself.

There are several ways to do this:

• Contact the creditor directly via phone, email or in person to explain your situation and your proposal. This is the most ideal and effective way to resolve your debt without having to take the stressful route of wage garnishment. However, this is only possible if the creditor’s office is located in your area.
• Apply for a debt consolidation/consolidation loan or a debt consolidation loan to pay off your debt. This is a practical and reliable way to pay off your debt without having to resort to wage garnishment.
• File for a Chapter 13 Bankruptcy. This is also a practical way to pay off your debt without having to resort to wage garnishment. This option is beneficial if you are not at risk of losing other assets such as the loss of a home through impending foreclosure. 

Contact one of our Dallas bankruptcy attorneys today to learn more about how to fight wage garnishment and get out of debt.