Wage garnishment in Georgia can be difficult to reverse. The money you earn will be taken out of your paycheck until the full amount is repaid to your creditor. The good news is as soon as you file bankruptcy, the bankruptcy court issues an order telling all of your creditors to stop contacting you. This order is called the “automatic stay.“ The automatic stay also prohibits creditors from any and all collection actions against you, including wage garnishments.
Even if you wait until after you have begun being garnished, a bankruptcy will stop the garnishment immediately. You may be able to recover months of garnished wages. Any money that is garnished by mistake after the case is filed must also be returned.