{"id":132,"date":"2011-01-27T02:08:07","date_gmt":"2011-01-27T02:08:07","guid":{"rendered":"http:\/\/www.westcoastbk.com\/blog\/?p=132"},"modified":"2013-10-30T00:04:41","modified_gmt":"2013-10-30T00:04:41","slug":"san-jose-bankruptcy-lawyer-stop-wage-garnishment-and-get-some-of-the-money-back-by-filing-bankruptcy","status":"publish","type":"post","link":"https:\/\/www.westcoastbk.com\/blog\/2011\/01\/san-jose-bankruptcy-lawyer-stop-wage-garnishment-and-get-some-of-the-money-back-by-filing-bankruptcy\/","title":{"rendered":"San Jose Bankruptcy Lawyer: Stop Wage Garnishment and Get Some of the Money Back by Filing Bankruptcy"},"content":{"rendered":"<p>By <a href=\"http:\/\/www.westcoastbk.com\/ryan-c-wood-bay-area-bankruptcy-attorney.aspx\" rel=\"author\">Ryan C. Wood<\/a><\/p>\n<p>Many creditors and collection agencies threaten to garnish wages to scare people into making a payment.\u00a0 The truth is that creditors must first file a lawsuit for breach of contract and obtain a judgment for the nonpayment of the debt.\u00a0 Obtaining a judgment is not free and will cost the creditor anywhere from $1,000 to $2,000 to obtain a default judgment against someone.\u00a0 There is a Court filing fee and the lawsuit must be personally served on the defendant.\u00a0 If no answer is filed to the complaint, then the creditor that filed the lawsuit can request the Court enter the judgment by default.<\/p>\n<p>Once a creditor has obtained a judgment, then they can enforce the judgment by garnishing the judgment debtor\u2019s wages.\u00a0 Again, garnishing wages is not free and requires a number of steps.\u00a0 Eventually the payroll department of the person the judgment is against will be served with the writ of attachment\/garnishment.\u00a0 At this point it is only a matter of time before the judgment debtor\u2019s wages will be garnished if all procedures have been followed properly.\u00a0 A judgment debtor\u2019s wages can be garnished up to 25% depending upon the circumstances.<\/p>\n<p><strong><span style=\"text-decoration: underline;\">The good news is that wages that are garnished in the 90 days prior to the filing date of the bankruptcy can be returned if certain requirements are met.<\/span><\/strong> While wage garnishment is a sign that it is time to consult an experienced <a href=\"http:\/\/www.westcoastbk.com\/san-jose-bankruptcy-attorney.aspx\">bankruptcy lawyer<\/a>, it is not the end of the world.\u00a0 You can stop the wage garnishment and get some of the money back by filing a Chapter 7 bankruptcy or Chapter 13 bankruptcy as soon as the wage garnishment starts.\u00a0 Contact one of our experienced <a href=\"http:\/\/www.westcoastbk.com\/RedwoodCity.aspx\">bankruptcy lawyers<\/a> today and request a free consultation.<\/p>\n<p><strong> <\/strong><strong><span style=\"text-decoration: underline;\"> <\/span><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The good news is that wages that are garnished in the 90 days prior to the filing date of the bankruptcy can be returned if certain requirements are met. While wage garnishment is a sign that it is time to consult an experienced San Jose bankruptcy lawyer, it is not the end of the world.  You can stop the wage garnishment and get some of the money back by filing a Chapter 7 bankruptcy or Chapter 13 bankruptcy as soon as the wage garnishment starts.  Contact one of our experienced San Mateo bankruptcy lawyers today and request a free consultation.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[9],"tags":[],"_links":{"self":[{"href":"https:\/\/www.westcoastbk.com\/blog\/wp-json\/wp\/v2\/posts\/132"}],"collection":[{"href":"https:\/\/www.westcoastbk.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.westcoastbk.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.westcoastbk.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.westcoastbk.com\/blog\/wp-json\/wp\/v2\/comments?post=132"}],"version-history":[{"count":9,"href":"https:\/\/www.westcoastbk.com\/blog\/wp-json\/wp\/v2\/posts\/132\/revisions"}],"predecessor-version":[{"id":135,"href":"https:\/\/www.westcoastbk.com\/blog\/wp-json\/wp\/v2\/posts\/132\/revisions\/135"}],"wp:attachment":[{"href":"https:\/\/www.westcoastbk.com\/blog\/wp-json\/wp\/v2\/media?parent=132"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.westcoastbk.com\/blog\/wp-json\/wp\/v2\/categories?post=132"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.westcoastbk.com\/blog\/wp-json\/wp\/v2\/tags?post=132"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}