Wage Garnishment

Can Bankruptcy Stop Wage Garnishment in Dublin, Ohio?

Wage garnishment is a common yet daunting financial situation that many people face. When a creditor gets a court order to garnish your wages, it can feel like your financial freedom is slipping through your fingers. Luckily, there are legal options available to individuals facing this situation. If you reside in Dublin, Ohio, one of these options is filing for bankruptcy. This article explores the question: Can bankruptcy stop wage garnishment in Dublin, Ohio?

Understanding Wage Garnishment
Wage garnishment, also known as wage attachment, is a legal process where a portion of an individual's earnings is withheld by an employer for the payment of a debt. This process can significantly impact one's financial stability, making it difficult to meet basic needs and other financial obligations. However, wage garnishment doesn't occur without due process. A creditor must first take the debtor to court and win the case before garnishment can take place.

Bankruptcy as a Solution
When you file for bankruptcy, an 'automatic stay' is put into effect immediately. This stay prohibits most creditors from collecting debts, effectively stopping wage garnishment in its tracks. This stay allows the debtor some breathing room to reorganize their finances under the supervision of a court-appointed bankruptcy trustee.

There are two primary types of personal bankruptcy that individuals in Dublin, Ohio, can file: Chapter 7 and Chapter 13.

Chapter 7 Bankruptcy:  If your income is below the median in Ohio, you may qualify for this type of bankruptcy. In most cases, Chapter 7 bankruptcy can permanently stop wage garnishment.

Chapter 13 Bankruptcy: Unlike Chapter 7, Chapter 13 bankruptcy involves reorganizing your debts and establishing a repayment plan, typically lasting 3-5 years. Chapter 13 can also stop wage garnishment, as creditors are barred from collecting debts outside of the repayment plan.

Legal Assistance
Navigating the intricacies of bankruptcy law can be challenging. If you're considering bankruptcy to stop wage garnishment, consulting with a qualified bankruptcy attorney in Dublin, Ohio, is highly recommended. An experienced attorney can guide you through the process, help you understand the potential repercussions, and provide advice tailored to your specific circumstances.