How Chapter 7 Stops Wage Garnishment in Central Florida
- Melissa A. Youngman
- 4 days ago
- 1 min read
Wage garnishment is one of the most common reasons people seek bankruptcy relief in Central Florida. The good news?
✔ Filing Chapter 7 immediately stops wage garnishment.
How the Automatic Stay Protects You
The moment you file Chapter 7, the automatic stay goes into effect, forcing creditors and others to stop almost all garnishment activity, including activity by:
Creditors
Collection agencies
Employers
Court clerks
This includes garnishments for:
Credit card debts
Medical bills
Personal loans
Deficiency judgments
(Child support garnishments are not stopped.)
What Happens to the Money Already Garnished?
Depending on the timing and amount, you may be able to recover wages garnished within the 90 days before your Chapter 7 case is filed.
Your bankruptcy attorney can determine whether recovery is possible.
Why People File Bankruptcy Because of Garnishment
Once garnishment starts, most households lose 25% of their paycheck, making it impossible to stay afloat.
Chapter 7 stops it instantly and, in most cases, permanently eliminates the debt causing it.
👉 If your wages are being garnished in Orlando or Winter Park, call us immediately at 407-765-3427. We can often stop the garnishment the same day the bankruptcy is filed.
👉 Schedule a free consultation with our experienced Chapter 7 bankruptcy attorney Melissa Youngman at https://calendly.com/melissayoungman/bkconsult or use the button below.
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