Stop Wage Garnishment

San Jose Wage Garnishment Attorney

San Jose Bankruptcy Debt Relief Attorney serving Bay Area Counties

Bankruptcy attorneys and debt relief lawyers at the bankruptcy and debt relief law office of Geoffrey Nwosu located in San Jose California will help you stop creditors from garnishing your wages. There is no question that this is a tough period in our economy. Monthly paychecks for most of us are hardly enough to cover regular basic expenses. Any reduction in our paycheck often makes it difficult to survive and feed our kids. A San Jose Bankruptcy lawyer & debt relief attorney at the bankruptcy law firm of Geoffrey Nwosu understands that. We have helped many San Jose Bay Area individuals file their bankruptcy to discharge their secured and unsecured debts. Please contact the San Jose Bankruptcy Debt Relief Law Office of Geoffrey Nwosu located in Silicon Valley, Bay Area at 408-912-5983 or www.nwosulaw.com for a confidential free consultation.

Wage garnishment in San Jose Bay Area

Our wage garnishment lawyer and debt relief attorney will speak to you on how to prevent wage garnishment. Wage garnishment is a court order for an employer to withhold a specified amount of your wages or income as repayment for debt. Most judgment granted against debtors in San Jose area and bay area is through default judgment. This happens when the individual debtor failed to show up in court. One may fail to show up in court because they were not properly served or because they cannot afford an attorney to defend them. There are wage garnishment federal limits that prevent creditors from garnishing more than 60% of your wages in the most extreme case.

San Jose Bankruptcy Lawyer can file Chapter 7 Bankruptcy for you to stop Wage Garnishment

Our bankruptcy attorney and debt relief lawyer can help you stop creditors from garnishing your check and protect your income. A Chapter 7 bankruptcy is one of the most powerful means to stop garnishments of wages. When we file for Chapter 7 bankruptcy for you, your automatic stay order will stop all lawsuits and wage garnishments immediately from the time that you file your bankruptcy petition. You may still get your full pay check and if your debt is dischargeable, you will likely be able to eliminate the entire outstanding debt in bankruptcy if you qualify. Filing chapter 7 bankruptcy has helped many people in the bay area to stop garnishment of their wages and protect their income form creditors.

Ways to Stop Creditors from Garnishing your Wages?

1. Filing Chapter 7 Bankruptcy

You may eliminate the creditor’s power to garnish your wages by filing bankruptcy. When you file bankruptcy petition in federal court, automatic stay prohibits all of your creditors from taking any action to collect or enforce debts and judgments against you until the court issues a relief from automatic stay or decides on the case. This allows you the time to start the settlement and negotiation process with your creditor’s.

2. Claim of Exemption

An individual debtor may file a claim of exemption in court by the debtor asking the judge to rule in his favor and stop the wage garnishment. Showing financial hardship or that the wage garnishment is making it very difficult for you to make a descent basic living will make your case stronger.

3. Pay Debt Owed in full

One can avoid wage garnishment by pay their debt in full. Here, the creditor will not have any debt to collect any longer since all debts have been paid in full by the debtor. However, many debtors may not be able to come up with the money to make full payment.

4. Settlement of your debts

An agreement between the debtor and the creditors will suspend and most often stop wage garnishment. It is more powerful if your offer should provide a detailed plan on how you want to make the payment and the source where the money will come from. Documentation is vital to reaching a good agreement or settlement with your creditor. Some creditors will allow you time to make payments and others will prefer a one time reduced payment to settle your debts.

Looking for a free Bankruptcy help with a San Jose Santa Clara County Bankruptcy Attorney and California bay Area Bankruptcy Lawyer?

We are San Jose bankruptcy lawyers and California debt relief attorneys. A San Jose bankruptcy lawyer and debt relief lawyer at our bankruptcy law office will speak to you for free about filing bankruptcy. We help bay area clients that are having financial difficulties to eliminate their unsecured debts, wipe it off and start fresh. A bankruptcy lawyer at Nwosu bankruptcy law center will consult with you for free regarding filing bankruptcy. This confidential discussion will cover consumer bankruptcy, chapter 7 bankruptcy, chapter 13 bankruptcy, chapter 11 bankruptcy, business bankruptcy and non bankruptcy solution. We have assisted many clients in fling bankruptcy in Santa Clara County, Alameda County, Contra Costa County and San Francisco County. Please contact the San Jose Bankruptcy Debt Relief Law Office of Geoffrey Nwosu located in Silicon Valley, Bay Area at 408-912-5983 or www.nwosulaw.com for a confidential free consultation. Our bankruptcy attorneys and debt relief lawyers will speak to you about bankruptcy help at no cost.

The bankruptcy Law Office of Geoffrey Nwosu is located in San Jose Bay Area Ca. We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.


Our Bankruptcy & Personal Injury attorneys provide bankruptcy, personal injury accident services to Santa Clara County, Alameda County, Monterey County and Santa Cruz County areas including the cities of San Jose, Gilroy, Morgan Hill, Salinas, Monterey Valley, Sunnyvale, Cupertino, Campbell, Santa Clara, Milpitas, Fremont, Hayward, Union City, Oakland, Pleasanton, Antioch, Tracy, Los Gatos, Saratoga, Los Altos, East Palo Alto, Mountain View, Redwood City, and Santa Cruz

The information you obtain at this site is not intended to be legal advice nor to create an Attorney Client relatiomship. You should consult an attorney for advice regarding your individual situation. Please do not send any confidential information to us before establishing an attorney-client relationship. For a free case evaluation and consultation call 408-912-5983
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