{"id":10301,"date":"2019-07-19T13:58:45","date_gmt":"2019-07-19T13:58:45","guid":{"rendered":"https:\/\/nybankruptcy.net\/main\/?p=10301"},"modified":"2019-07-19T13:58:54","modified_gmt":"2019-07-19T13:58:54","slug":"stopping-wage-garnishment-a-few-things-to-be-aware-of","status":"publish","type":"post","link":"https:\/\/nybankruptcy.net\/main\/stopping-wage-garnishment-a-few-things-to-be-aware-of\/","title":{"rendered":"Stopping Wage Garnishment:  A few things to be aware of"},"content":{"rendered":"<figure id=\"attachment_1740\" aria-describedby=\"caption-attachment-1740\" style=\"width: 196px\" class=\"wp-caption alignright\"><a href=\"https:\/\/nybankruptcy.net\/main\/wp-content\/uploads\/2011\/02\/garnish.jpg\"><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-1740\" src=\"https:\/\/nybankruptcy.net\/main\/wp-content\/uploads\/2011\/02\/garnish.jpg\" alt=\"\" width=\"196\" height=\"142\" srcset=\"https:\/\/nybankruptcy.net\/main\/wp-content\/uploads\/2011\/02\/garnish.jpg 400w, https:\/\/nybankruptcy.net\/main\/wp-content\/uploads\/2011\/02\/garnish-300x218.jpg 300w\" sizes=\"(max-width: 196px) 100vw, 196px\" \/><\/a><figcaption id=\"caption-attachment-1740\" class=\"wp-caption-text\">Not the kind of garnish we&#8217;re talking about<\/figcaption><\/figure>\n<p>Stopping wage garnishment is often the trigger that leads New Yorkers to seek out a New York bankruptcy attorney.\u00a0 If you were avoiding your financial problems before, the possibility of payroll garnishment forces you to wake up and figure out your next step.<\/p>\n<p>Below are several things to be aware of if you wish to avoid wage garnishment:<\/p>\n<p>1.\u00a0 Once you&#8217;re delinquent on a debt, you will most likely receive a high volume of phone calls from the creditor for a period of 60 to 90 days in an effort to collect the debt from you.\u00a0 While this may be personally very stressful for you, it is important to realize that wage garnishment doesn&#8217;t result from these calls.<\/p>\n<p>2.\u00a0 The next step is calls from a collection agency.\u00a0 This happens when your creditor decides it won&#8217;t be able to collect the debt itself and sells your debt to a third-party collection agency.\u00a0 These guys are professionals and know how to scare people into paying.\u00a0 They will likely call you often over the next 90 days.\u00a0 Again, this may be very personally stressful for you.\u00a0 However, legally they&#8217;re not allowed to make threats or say anything to you that&#8217;s not true.\u00a0 Also, you can write a letter to them requesting that they no longer call you, and they are legally obligated to honor that request.\u00a0 (Of course, that doesn&#8217;t mean they always do.)\u00a0 The long and the short of this, however, is that the collection agencies do not handle the wage garnishment.<\/p>\n<p>3.\u00a0 Payroll garnishment eventually happens if the collection agency gives up and decides to hand over your case to a wage garnishment attorney who handles these kinds of cases every day.\u00a0 The first step by the lawyer will be to sue you.\u00a0 That will enable them to get a judgment from the court permiting them to garnish your wages if you still have not paid your debt.<\/p>\n<p>4.\u00a0 The only strategy at that point for halting a wage garnishment would be to file for bankruptcy.<\/p>\n<p>If you have questions about the above and would like to avoid wage garnishment, please feel free to <a href=\"contact\/\">contact<\/a> <a href=\"https:\/\/nybankruptcy.net\/main\/ny-bankruptcy-attorneys\/bruce-weiner\/\">Bruce Weiner<\/a>, an experienced <a href=\"https:\/\/nybankruptcy.net\/main\/\" target=\"_blank\" rel=\"noopener noreferrer\">bankruptcy attorney Brooklyn NY<\/a>, for a free initial consultation.<\/p>\n<p><center><\/center><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Stopping wage garnishment is often the trigger that leads New Yorkers to seek out a New York bankruptcy attorney.\u00a0 If you were avoiding your financial problems before, the possibility of payroll garnishment forces you to wake up and figure out your next step. Below are several things to be aware of if you wish to &hellip;<\/p>\n<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/nybankruptcy.net\/main\/stopping-wage-garnishment-a-few-things-to-be-aware-of\/\"> <span class=\"screen-reader-text\">Stopping Wage Garnishment:  A few things to be aware of<\/span> Read More \u00bb<\/a><\/p>\n","protected":false},"author":9,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"default","ast-global-header-display":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"default","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":""},"categories":[16,7],"tags":[2,21,81,32,54,51,52,35],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Stopping Wage Garnishment: A few things to be aware of | Bankruptcy<\/title>\n<meta name=\"description\" content=\"Stopping wage 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