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Threatened by Garnishment?

Providing Minnesota Garnishment Lawyer Legal Help In Minneapolis, St. Paul, Bloomington, Edina, Roseville and all Of Minnesota

Consumers often feel terribly threatened by garnishment and feel a need to stop garnishment with bankruptcy. The fact that the creditor not only is able to take a percentage of the consumer's wages presents a huge problem. To add insult to injury it also puts the consumer into deeper financial stress and is a source of embarrassment to him or her. The garnishing of wages should be taken very seriously because of its wide range of repercussions on a person and his or her family.

Basis for Garnishment

What is a Garnishment?

When there is a dispute between a debtor and a creditor it can lead to a lawsuit. The winner of that lawsuit will get a judgment. That judgment can be used by a creditor as a basis to garnish a part of a consumer's wages until the judgment has been satisfied. The debtor's employer must cooperate with the creditor in a garnishment.

Avoiding Garnishment

Looking for Legal Help with Garnishment?

A consumer should carefully monitor his relations with a creditor. Whenever possible a consumer should try to avoid having judgments against them that could be used by the creditor as a basis for garnishment. Once a creditor has put a matter into a lawsuit it is a sound idea for the consumer to immediately seek out the help of an experienced debtor lawyer. It is important for consumers not to just bury their head in the sand and let the creditor move unopposed to get a judgment against them. The consumer may try to settle the case either by paying off the bill, working out a payment plan, offering a percentage of the total debt owed as a compromise settlement or putting in a defense to the lawsuit if there is one. In some situations, the debtor may even have his or her own basis for going after the creditor based on a violation of law by that creditor. It is important that consumers carefully assess their situation when faced with the prospects of a creditor pursuing a lawsuit against them. A creditor who wins a lawsuit will get a judgment that could act as a basis for garnishment. Many consumers do nothing and allow the creditor to take a default judgment against them, which will be of record and lead to potential problems for the consumer. It a good idea to get skilled legal help before the creditor gets a judgment.

Illegal Creditor Practices

Harassed by a Creditor?

Consumers should not assume that creditors can do anything they want. There are laws that restrict collection practices. Rather than give up when hounded by a creditor, the consumer should seek out the legal help of a qualified debt relief lawyer. For example, there are both state and federal laws that may apply to the collection practices being used by a collection agency against a consumer. There is a federal law called the Fair Debt Collection Practices Act (FDCPA) that provides important protection to consumers. Consumers faced by hounding creditors should not bury their head in the sand, but move in a timely way to get help, before it leads to further problems such as a judgment against them which can act as the basis for garnishment.

Help Stopping Garnishment

Looking for a Qualified Bankruptcy Lawyer?

The first line of defense against garnishment is to avoid having the creditor get a judgment against you. If that cannot be avoided, then a settlement of the judgment before garnishment can be of use in stopping the threat of garnishment. Unfortunately, not all situations may allow for consumers to either stop a creditor from winning a judgment or allow for the debtor to reach a settlement with the creditor that would avoid garnishment. Consumers who are not able to avoid a judgment, have a judgment against them or are unable to otherwise settle a claim with a creditor should seriously consider getting debt relief that would eliminate enforcement of the judgment through garnishment. The bankruptcy law allows protection for eligible debtors against garnishment. The filing of a bankruptcy can bring relief to a creditor from garnishment.

Minnesota Legal Help with Garnishment

Need a Bankruptcy Lawyer?

The skilled litigators at Neff Law Firm, P. A., have over fifty years of combined experience assisting people with debt relief. These experienced Minnesota lawyers can assist consumers in assessing viable options for relief both before a garnishment is started or after it goes into effect. Neff Law Firm, P.A., has knowledgeable Twin Cities lawyers who can efficiently and effectively provide legal help to people facing garnishment. A consumer involved in a garnishment situation can consult with a debt relief lawyer in the firm's convenient offices to discuss his or her options. At that meeting the consumer can discuss ways of dealing with his or her serious financial problems including bankruptcy.

End Garnishment by Filing Bankruptcy

Get a Fresh Start

Consumers in serious debt may qualify for a bankruptcy that will allow them not only to eliminate the consequences of a garnishment but get a fresh start. For legal assistance with serious debt problems such as garnishment please call the Central scheduling number of 952-831-6555 to set up an appointment for an in person consultation with an experienced debt relief lawyer in the Minneapolis - St. Paul metropolitan area at either the Edina or Roseville, Minnesota office.

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