Can I Still File Bankruptcy If My Wages Are Already Being Garnished?

Simple answer, yes!

At the Maryland Bankruptcy Center we do a great deal of online promotion and receive referrals from friends, family and former client’s every day. I probably spend at least 2 hours per day just giving out free consultations on the telephone. Sometimes people come in and file, sometimes they don’t, but the experience that I get of understanding the every day questions that people are facing is invaluable. I get it. Although I am not going through what you are going through, I talk to enough people every day so that I really understand your problems, and I have the ability to solve them for you.

A frequent question asked by callers is “Can I still file Chapter 7 or Chapter 13 Bankruptcy in Marylnad if my wages are already being garnished or if my bank account has already been frozen.?” Many people are led to believe, usually by the creditors, that once wages are being garnished, or a judgment has been entered, it’s too late and bankruptcy will not protect you. If a creditor tells you that, they are lying, and don’t for a second think that a creditor will not lie to you on the phone to help maximize their recovery. The collection agencies are in the business of putting pressure on you to pay your debt, and many times, sometimes inentional, sometimes not, they mislead you and sometimes lie. If you are reading this, now you know the truth.

The filing of a Chapter 7 or a Chapter 13 bankruptcy IMMEDIATELY stops a wage garnishment and unfreezes a bank account. But remember, actual “filing” the bankruptcy does not mean just paying a bankruptcy lawyer to start the paperwork. Filing means actually paying the lawyers fee, paying the filing fee, providing all of the required documentation, signing your finished paperwork and actually submitting the paperwork to the United States Bankruptcy Court. Once it is a submitted, you receive a case number. It is that case number that is given to the employer, and the creditor, which actually stops the garnishment. Without a case number, you don’t have much.

At the Maryland Bankruptcy Center we file more Chapter 7 bankruptcy’s then most law firms in the State of Maryland. Because of our excellent and experienced attorneys and staff, we have the ability to take your case and file it immediately if you need us too. Our convenience is unmatched. I will call speak with you any time of any day of the week, including nights or weekends. Our goal is to help as many people in Maryland file Chapter 7 and Chapter 13 bankruptcy that have the need to file, and do it at an affordable rate and provide excellent service. Some people will lead you to believe that it cannot be done, that is, that if you want good service, you need to pay a high price. Not true. While we are not the lowest in Maryland, we are comparatively low, and our service is second to none.

If you are thinking about filing Chapter 7 or Chapter 13 Bankruptcy in Maryland and would like to hire a lawyer, or just ask a lawyer about Chapter 7 or Chapter 13 bankruptcy in Maryland, call us today at (410) 766-4044 or (301) 587-8900, or fill out the contact form on the side of the page. We will get back to immediately and we will help you.

David L. Ruben, Esquire
Owner, Maryland Bankruptcy Center