How Can I Stop a Lawsuit From a Creditor in Atlanta?

If you have received a letter about a debt collection lawsuit in Georgia, there is help for you. A lawsuit will not go away if you don’t do anything, and typically will result in a default judgment against you. If the creditor wins the lawsuit, without much notice to you, here are some of the actions they can take to recover the money you owe them.

Garnished Wages

Once a debt collector wins the lawsuit, they can garnish your wages. When a garnishment order is sent to your employer, you can expect them to withhold a portion of your wages and send the money directly to your creditor.  A wage garnishment is a devastating way to pay back a debt, and can quickly send your life into a financial spiral.

Your Bank Account Can be Frozen

The debt collector can also send the judgment to your bank to “freeze” your bank account. If your account is frozen, there are actions you can take to defend yourself. An experienced bankruptcy attorney can explain to you the next steps on how to “unfreeze” the account and keep your money.

 Bankruptcy May Be An Option

If you cannot afford to settle or fight the debt collector in court, a bankruptcy filing may be the best for you. Chapter 7 bankruptcy can eliminate most debts and provide you with a “fresh start.” Once a petition is filed with the Bankruptcy Court, any debt collection lawsuit (garnishment or frozen account) will be stayed. To find out if bankruptcy is right for you, call the offices of King & King for a free consultation today at 404-524-6400.

What Do I Do If I Have Been Sued Over Debt In Georgia?

If you have been sued over a past-due debt, you may feel overwhelmed. Fighting a legal battle against a debt collector can be time consuming and difficult, or simply impossible to win.  The good news is there are legal steps you can take that can stop the lawsuit. At King & King bankruptcy attorneys, we help people who are facing lawsuits and other creditor actions. Our attorneys are focused on making your debt relief goals a reality.

Does Bankruptcy Stop Lawsuits?

Bankruptcy can stop the lawsuit. Whatever stage the lawsuit is in — if you have just been served with papers, if it is already in court, if you have only been threatened with a lawsuit — bankruptcy creates what is known as an "automatic stay," a legal action that stops lawsuits and other creditor actions.

The automatic stay is very powerful and will put an immediate stop to:

Wage garnishment

Bank account levies

Home foreclosure

Repossession of automobiles

Creditor calls

If you have been sued for a debt, our bankruptcy lawyers are here to help you explore your debt relief options. We handle Chapter 7 and Chapter 13 bankruptcies for clients in Georgia. We understand the anxiety that comes with having a lawsuit brought against you. We will put our skill and experience to work for you to help you put an end to the lawsuit and achieve your debt relief goals. Call King & King at 404-524-6400 or visit us at www.kingandkingattorneys.com for a free consultation.