Steps to STOPPING a Wage Garnishment in Reno, Nevada
Step 1: Contact Reno Zero Down Bankruptcy Lawyers. Our attorneys will evaluate your debt to determine if bankruptcy is a good option for you. Bankruptcy will immediately stop most wage garnishments.
Step 2: Submit Your Documents. Your attorney will provide you with a list of documents you need for a full and accurate bankruptcy petition. You will only need to provide a few documents if you are using an emergency filing to stop a wage garnishment. You will also need to take an online credit counseling course.
Step 3: Instant Protection Upon Filing. The Automatic Stay goes into effect once your petition is filed. This will also stop garnishments on paychecks that haven’t been processed, once you provide your payroll department with your case number. You will also be protected from collection actions like foreclosure, repossession, and more, while waiting for your debts to be discharged.
Wage Garnishment Lawyer in Reno
Wage garnishments are perfectly legal in Nevada, and they are many creditors’ favorite way to collect payment. If you don’t fulfill the obligations of your debt, your creditor can pursue a lawsuit, obtain a money judgment, and use that to garnish your wages.
Before your wages are garnished, your creditor must first obtain a judgment against you. If you fail to pay the judgment within the specified time frame, the judgment creditor can start the wage garnishment process. There are limited ways to stop a wage garnishment in Nevada. Someone’s income might be exempt, e.g., they live entirely off social security income. If the wage garnishment causes extreme financial hardship, the person may be able to petition the court to reduce the garnishment to 15 percent. Besides passing away or paying off the debt, another option to stop a wage garnishment is to declare bankruptcy.