Will Bankruptcy Stop Wage Garnishment?
If you're struggling to make ends meet and your wages are being garnished, you may be wondering if bankruptcy can help. The answer is maybe. It depends on the type of bankruptcy you file and the reason for the garnishment.
If you file Chapter 7 bankruptcy, also called liquidation bankruptcy, it may stop wage garnishment temporarily. That's because creditors are prohibited from taking any collection actions against you while your case is pending. However, once your case is over, the creditor can resume garnishing your wages if the debt wasn't discharged in bankruptcy.
Chapter 13 bankruptcy may also provide some relief from wage garnishment. If you file Chapter 13, you propose a repayment plan to pay back all or part of your debts over three to five years. Once the court approves your plan, creditors are prohibited from taking any collection actions against you, including wage garnishment.
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