Stop Garnishments

Stop Garnishment Lawyer- Ventura, Oxnard, Camarillo, Thousand Oaks, Fillmore, Santa Paula, Moorpark, Simi Valley

How Can I Stop a Wage Garnishment?

Wage Garnishments

Once a creditor or debt collector has a judgment against you, it has various ways to enforce the judgment.

To enforce a judgment / collect on a judgment, a creditor can garnish your wages, levy your bank accounts, and file liens on your assets.

We can help you prevent this.

For example, you can file exemptions to a wage garnishment if it would not leave you with enough money to pay for necessities. 

You might also be able to stop an ongoing garnishment.

If you file bankruptcy, you might be able to (1) stop the garnishment, (2) get back some or all of the funds already taken from you in a garnishment or levy, AND (3) discharge the underlying debt / judgment so you don’t face another garnishment in the future.

But, you must act very quickly to stop a garnishment before it starts OR to get back previously garnished funds. Both situations have strict deadlines. Call us immediately if you have been subject to a garnishment. 

Lean more:

How Can I Stop A Wage Garnishment? How Can I Get Back Previously Garnished Funds?

How Can a Creditor Garnish My Wages When the Statute of Limitations Has Already Passed?

Can My Wages be Garnished to Pay the Debts of My Spouse?

Give us a call at (805) 284-0760 for a free consultation. We will explain all your options for dealing with garnishments and debt in general.

Stop Garnishment Lawyer: Ventura, Oxnard, Camarillo, Simi Valley, Moorpark, Thousand Oaks, Fillmore, Santa Paula

How Can I Stop Garnishments?

Stop wage garnishments, levies, liens and unfreeze your money

Two Strategies for Stopping Garnishments

Typically, there are two strategies for handling wage garnishments, liens, and bank levies.

Fight Garnishments in State Court

Creditors use these collection techniques to collect on  judgments. Often these judgments were awarded in California Superior Court (“state court.”)

You can fight garnishments, liens, and levies  in the court where the judgment is recorded. For most of our clients, that will be California Superior Court for the Counties of Ventura, Santa Barbara, or Los Angeles.

Even if you stop the garnishment or levy in Superior Court, the creditor can levy your or try to garnish your wages again at a later date. 

Stop Garnishments by Filing Bankruptcy (Federal Court)

If you have more than one debt, the most cost effective strategy can be filing bankruptcy. A bankruptcy will usually discharge the debt for good.

 You may even be able to get back some or all of the money already taken from you if you act quickly after the garnishment or levy starts. When you get these funds back through the bankruptcy process, the bankruptcy often more than pays for itself. 

Bankruptcy is one of very few ways to remove a valid judgment lien once it is recorded against your property. If you have recently had a lien recorded on your property, act immediately. 

You don’t want those liens to lie in wait, accumulating interest until you sell or refinance your house. 

Give us a call at (805) 284-0760 for a free consultation. We will explain all your options for dealing with garnishments.

“Forget mistakes. Forget everything except what you're going to do now and do it. Today is your lucky day."

— Will Durant:  American writer, historian, and philosopher