Nashville Wage Garnishment Bankruptcy Lawyer
Garnishments to your bank account or wages are a drastic step in the collection effort process. Creditors who feel they have no other recourse can attempt to get a judgment that allows them to automatically receive a percentage of your paycheck to pay for outstanding debts. Fortunately, you have options for protection.
Free consultation · Convenient location just off the Hillsboro Rd./21st Ave. exit (3) of the I-440 Parkway on the south side of Nashville · Free parking
At Robert L. Scruggs Attorney at Law, our Tennessee wage garnishment lawyer understands how challenging it can be to lose up to 25 percent of your gross income each week to your creditors. We will take a detailed look at your finances and provide an in-depth analysis of your options. In many situations, our clients will examine the option of filing for bankruptcy. Filing for bankruptcy triggers an automatic stay. This automatic stay prevents creditors from any further collection efforts. The stay ends repossession, lawsuits and garnishments.
An experienced attorney can also look at your situation and identify any potential hazards. One such hazard revolves around the issue of timing. We will pay special attention to the timing of your filing versus your payroll to ensure you receive your full paycheck following your bankruptcy filing. For example, even if you receive your paycheck on Friday, typically your payroll department has calculated and cut your check on Wednesday. If you file for bankruptcy on Wednesday or Thursday — even though you have not received a paycheck — most likely that check will be less the garnished amount. We will work to protect you.
Additionally, the notion of "preference" will be addressed during a free initial consultation at our office. If a garnishment is done within 90 days of filing for bankruptcy, it can be considered a preference. If that garnishment reaches a certain size, that money can be paid back into your estate.
Know your options. Know your rights. You can achieve debt relief today. Call 615-866-2408 or contact us by e-mail to arrange your FREE CONSULTATION directly with our lawyer.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
