Garnishments Can Often Be Returned
If you are facing garnishment of your paycheck, bank account or other property by creditors, you can stop the action by filing bankruptcy. In some cases, you can even get back money that has already been taken from you.
At the law firm of Michael M. Malinowski PLC in Grand Rapids, Michigan, I offer a free initial consultation to answer your questions about garnishments and bankruptcy. I am a lawyer with 25 years of experience representing consumers in western Michigan.
What is a Garnishment?
In Michigan, creditors such as credit card companies and hospitals can garnish your Social Security checks, paychecks, and savings and checking accounts to pay your debts. A wage garnishment, the most common form of garnishment, is good for 90 days. A bank account garnishment is a one-time event.
If you receive notice of a garnishment, you can stop it by filing Chapter 7 or Chapter 13 bankruptcy. However, filing bankruptcy only makes sense if you have a significant amount of debt. It's important to receive a lawyer's advice before you take such a serious step to fix your finances.
Filing bankruptcy will also stop all forms of creditor harassment. Once you file bankruptcy, your creditors can no longer call you.
Can I Get Garnished Money Back?
If more than $600 has been taken from you within 90 days of your bankruptcy filing, your lawyer can get the money back. However, you have to act promptly.
Free Bankruptcy Attorney Consultation
You don't have to live with the stress that garnishments can cause. For a free consultation about your options, call me, lawyer Mike Malinowski, at 888-339-6017 or fill out our contact form on this Web site. My law office is in Grand Rapids, Michigan.
