Are your Wages being garnished? The sooner you take action the better. Talk to an experienced bankruptcy attorney.
The other day a caller said “I used a document preparer or bankruptcy petition preparer. Certainly they have obligations to keep my social security number confidential?” Unfortunately I had to say “Oh how wrong you are.”
Don’t cut off the branch before you get off the tree (or at least not with your family on board).
Blake Ellis, writer for CNN Money, published an article that details the steps to go though if your wages are being garnished. Blake’s article mentions that each state has a different exemption allowance for garnishment. Arizona exemptions have the same 30% of the federal minimum hourly wages, per week or 75% of your net income, whichever is greater. This limit does not apply to child support or alimony. What the article does not point out is the right of a creditor to garnish your bank account (with no notice to you).
When someone contacts my office looking for a bankruptcy attorney in another state I usually refer them to the NACBA site (National Association of Consumer Bankruptcy Attorneys).
Never contract with someone you do not meet in person. Do not assume that a lawyer is licensed; check them out with the state bar where they are licensed. Look for reviews and references. Lastly – unless you have lots of money to burn do not use the on-line legal services or document preparation.
Below are some videos that may help in your investigation about bankruptcy:
- The Chapter 7 Process
- The Chapter 13 Process
Diane is a well respected Arizona bankruptcy and foreclosure attorney. As a retired law professor, she believes in offering everyone, not just her clients, advice about bankruptcy and Arizona foreclosure laws. Diane is also a mentor to hundreds of Arizona attorneys.
*Important Note from Diane: Everything on this web site is offered for educational purposes only and not intended to provide legal advice, nor create an attorney client relationship between you, me, or the author of any article. Information in this web site should not be used as a substitute for competent legal advice from an attorney familiar with your personal circumstances and licensed to practice law in your state. Make sure to check out their reviews.*
In Case You Missed It
Published On: April 9, 2025
Many people, including inexperienced attorneys, think that bankruptcy is simple. To quote a first-year law student on their first day in bankruptcy class, "It is just filling out several forms." On the last day of [...]
Published On: July 5, 2024
What are the Basic Bankruptcy Principles? Bankruptcy is a legal process that helps people and businesses overwhelmed by debt get a financial ‘start fresh’. The principles of discharge, disclosure, and due process are key to [...]
Published On: March 30, 2024
After 100 Years of Protecting Homeowners, Arizona's Law Changes to Give Creditors New Rights to Take Your Home Depending on the value of your home, creditors can now take it if [...]
Published On: March 24, 2024
Bankruptcy is a complex process that can have significant implications for your business and personal finances. Before considering business bankruptcy as an option for your struggling business, it's crucial to understand the potential pitfalls [...]
