Wage garnishment is a strategy used by creditors to recoup payments owed to them by people who have failed to pay a bill or obligation. Many times, people incur huge debts, for a variety of personal reasons, and as a result, cannot make timely payments. Sometimes, they can't make the payments at all. A creditor can go to court and sue you as a result. They can obtain a court order that will allow them to take part of your paycheck automatically until they are paid in full. Obviously, if you aren't making payments because of financial hardship, the last thing you need is less money to take home and pay your basic living expenses. You are already probably under a lot of stress, and wage garnishment will only make the situation more difficult. If this is happening to you, or you are afraid it will, you should contact a bankruptcy attorney practicing in Virginia Beach right away.

It is even better to consult an attorney before it gets to the point of wage garnishment if possible. The creditor has already been demanding payment from you before they have started the process for wage garnishment. You have already demonstrated that you are having trouble making payments. A skilled wage garnishment attorney can often prevent the garnishment from occurring, enabling you get out from under this threat faster and to begin creating a better financial future for you and your family.


Wage garnishment can be stopped in most cases by filing for bankruptcy. An automatic stay will put an immediate halt to the deductions being taken from your paycheck, as part of the bankruptcy process. If these deductions have already been occurring, it is possible that you might even be able to recover some of that money. Even though you may have been trying hard to avoid declaring bankruptcy, if you are now facing wage garnishment, filing for bankruptcy may be most workable solution for you, or having our law firm negotiate with the creditor on your behalf. You might qualify to file for either Chapter 7 or Chapter 13 bankruptcy, depending on your situation.

In Chapter 7 bankruptcy, if qualified, all or most of your debts will be discharged, meaning you won't have to pay anything to most of your creditors. If your income falls below the median for the state of Virginia and you don't have the resources to pay your debts, you might qualify for Chapter 7. Chapter 13 allows you to reorganize your finances and lower your payments if you do not qualify for Chapter 7, have too many assets, or are trying to keep your home. If you qualify for either one, your wage garnishment will come to a fast stop. You should consult with a bankruptcy lawyer in Virginia Beach to aid you in determining exactly what your situation is and what your best course is to take.

There are other ways creditors might attempt to recoup their money owed them. Sometimes they can seize your assets, and then sell them off in order to pay off the debt. This is another terrible financial disaster that could occur, just when you are most vulnerable. Wage garnishment and repossessions are symptoms of out-of-control debt, and can have negative repercussions for years.

At the David McCormick Law Group, we are highly experienced and effective at helping our clients get the debt relief they need in order to have a fresh start. Being continually in debt, with creditors harassing you endlessly while you and your family struggle day-to-day is emotionally draining and very stressful. You need skilled and knowledgeable representation to guide you through the process that puts a stop to wage garnishment, and give you the debt relief you need. We will talk with you and learn your exact situation, which will allow us to guide you towards the best solution, whether it is Chapter 7, 13, or other alternatives to bankruptcy. We invite you to contact us today for information about wage garnishment and how to end it fast.

Bankruptcy Intake Forms
Click Here

Fill out a bankruptcy intake form here.