Wage Garnishment In Georgia? King & King Can Help.

If you are facing wage garnishment, it can be hard. If you’re already under pressure financially, the added pressure may mean you no longer are able to buy groceries or pay for essentials like gas to get to work. At King & King we understand and may be able to help you.

 

If a creditor is garnishing your wages, we can stop the wage garnishment with a bankruptcy filing. In some cases, we may even be able to recover some of the garnished wages after we file your case.

 

When you file for bankruptcy, an automatic stay goes into effect. Before a creditor can resume collection efforts, they must ask a court to lift a stay. The creditor must have a valid reason for lifting a stay. Most creditors would not be able to get the stay lifted. Therefore, your wages would be protected as you work your way through the bankruptcy court.

 

If your debt is discharged by the bankruptcy court, the creditor cannot resume garnishment to collect the debt. If your case gets dismissed without a discharge, the creditor can take steps to reinstate the wage garnishment following the dismissal.

 

If your garnishments were within a 90-day period prior to your bankruptcy filing, the amount garnished was more than $600, and you have enough exemptions to cover them, we may be able to recover and return some of the garnishment proceeds.

 

By working with your experienced King & King bankruptcy attorney, you can stop wage garnishments and reclaim your financial freedom. Call our office today at 404-524-6400 and find out how we can help you.

Can I Rebuild Good Credit After Filing Bankruptcy In Georgia?

Filing for bankruptcy can be an important first step towards giving yourself the freedom you deserve. When you file bankruptcy and get relief from your debt, you no longer owe any money to your creditors.

 In order to preserve your newfound financial stability, you must take care to rebuild your credit and avoid common pitfalls. If you take some simple steps to rebuilding your credit after bankruptcy, your credit score will start to rise.  After as little as 18-24 months, your credit report can be a positive one.

Improving Your Credit Score

There are a number of things you can do to improve your credit score, including the following.

 

·         Acquire a Secured Credit Card. It may seem counterintuitive, but in order to rebuild your credit, you will need to take out loans and repay them. A secured credit card gives you credit you need to start to rebuild your credit.

 

·         Take out an Installment Loan. An installment loan is any kind of a loan that requires monthly payments, such as a car loan. You must make your payments on time.

 

·         Check and Correct Your Credit Report. After your bankruptcy has been discharged, check your credit reports. Contact the credit agency where the mistake appears to have it corrected.

 

Once you have completed a filing for Chapter 7 or Chapter 13bankruptcy your financial future is going to look brighter. King & King is dedicated to helping clients file for personal bankruptcy and rebuild their lives afterwards. For a free initial consultation, contact our office at 404-524-6400.