Stopping Wage Garnishments

Any individual struggling to pay his or her bills holds on tightly to the income he or she does have for day-to-day expenses. Nothing is more frightening and frustrating than having that income taken from you before you even see a dime.

Unfortunately, when creditors go unpaid for too long, they often file lawsuits against the debtor, and can obtain judgments that permit them to take your wages or savings directly. There is a way to stop this from happening.

My law firm, Jeffrey P. White and Associates, P.C., helps individuals and businesses in Lewiston-Auburn, Portland and throughout Maine in complex debt issues. I personally work with my clients to answer their questions and give them a clear understanding of whether or not bankruptcy is right for them, as well as how to proceed effectively.

Creditor Judgments And The Automatic Stay

Filing bankruptcy immediately halts creditor actions against you, even if they have already obtained a judgment in favor of wage garnishments, bank account garnishments, property levies or repossession.

This is called the "automatic stay," and it remains in place until your bankruptcy is complete and your debts are discharged. It does not, however, apply to child support debts, spousal support debts (like alimony) or other domestic support obligations.

In general, however, once you file bankruptcy, all creditor interaction goes through your bankruptcy lawyer, and the stress of garnishments is immediately lifted off of your shoulders.


With more than 30 years of experience as an attorney, I can give you effective guidance every step of the way. Contact me to arrange a free initial consultation by email or by telephone at 207-536-6224 .

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.