St. Charles Chapter 7, Chapter 13 and Garnishment Defense Attorneys
Divorce, illness, job loss or another problem can create significant financial disarray that makes it impossible to keep up on regular bills. Debt problems can be augmented significantly when you learn that your wages or bank account will be garnished to repay a debt — dwindling the little funds you have to keep up on your financial obligations.
Problems With Debt or Garnishments? We Can Help.
If you have been notified that your wages or bank account are to be garnished to repay debt, that means your creditor has already obtained a judgment against you. It is important to act quickly to avoid further problems and to get back in control of your finances. A St. Charles garnishment defense lawyer Mark A. Tolman, can help you understand your options and put an end to garnishments. Call 636-946-5390 or toll free 888-814-5633 for a free consultation.
Is Bankruptcy Right for You?
Filing for bankruptcy will result in an automatic stay — a court order that effectively stops all debt collection efforts, including wage garnishments, car repossessions, foreclosures, creditor calls and other collection measures. In addition to putting an immediate stop to garnishments and other collection efforts, filing for bankruptcy can enable you to eliminate a significant amount of your debt.
Chapter 7 bankruptcy may enable you to discharge (eliminate) certain debts such as:
- Credit card debt
- Medical bills
- Personal unsecured loans
- Car loans
- Old tax debt
- Other types of debt
In many situations, however, wages are being garnished for repayment of child support obligations, spousal support/alimony obligations or other financial obligations that cannot be eliminated through a Chapter 7 bankruptcy filing. In these situations, garnishments may be rolled into a Chapter 13 bankruptcy filing and a three- to five-year court-approved repayment plan.
Honest Advice From an Experienced Missouri Bankruptcy Lawyer
Using his experience and knowledge of bankruptcy laws, as well as his personal understanding of your situation, St. Charles, Missouri, bankruptcy attorney Mark A. Tolman can help you decide if bankruptcy is the right debt relief option for your situation, and he can effectively protect your interests as he guides you through a Chapter 7 or Chapter 13 bankruptcy filing.
Stop wage garnishments, civil garnishments, judicial liens, creditor harassment and other debt problems. To learn more about how we can help you put an end to your legal problems, call 636-946-5390 or toll free 888-814-5633, or contact our St. Charles law firm online to schedule a free consultation with an attorney. We serve clients throughout the St. Charles, O'Fallon and St. Louis areas as well as throughout Missouri.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
