When avoiding wage garnishment is your top priority

Those in Tennessee who are struggling with overwhelming debt rely on their paychecks to help make ends meet. When a creditor attempts to garnish your wages, you can expect to struggle even more, not just to pay off your debts, but to meet the basic needs of your family.

Wage garnishment does not make sense to those already mired in debt. After all, how can you be expected to begin managing your debt when you are not receiving a full paycheck? At the same time, creditors have rights as well and want to secure the money you owe them. It is also like a paradox: you try to pay your bills and your creditors seem to want even more from you.

We understand this dilemma because we have seen it time and again in our Hixson, TN, legal practice. However, we have seen people just like you avoid wage garnishment while also finally getting a handle on their debt. Sometimes, all it takes is communicating with your creditors. For example, you may be able to reach an agreement with your credit card issuer by reaching out and explaining your circumstances.

Unfortunately, not all creditors are flexible enough to meet you partway. When this happens, you may need to seek a more permanent solution. Filing a chapter 7 or chapter 13 bankruptcy may be the answer you need. In most cases, bankruptcy puts an immediate stop to wage garnishment efforts as well as harassing communications from your lenders.

We encourage you to learn more about all your options to prevent wage garnishment. A great way to start is to continue exploring the many authoritative resources available on our website. We also welcome you to contact our staff for more personalized answers.