Through wage garnishment laws in Arizona, it is possible to lose up to a quarter of your net pay during each pay period, used to pay back a creditor until the payment is complete. For people who are already feeling financially precarious, the prospect of this can be quite scary!
It is important that creditors follow wage garnishment laws properly if this is the process they choose to use.
First, the creditor must obtain a judgement against you, through suing you, serving you, and getting a judge’s order that outlines how much money you owe. Then they must file for, and obtain a writ of garnishment, which has to be granted by the court and served on your employer.
Under these wage garnishment laws, you do have the right to object to the garnishment or ask for it to be lowered, which is something your attorney can assist you in doing. Even a small reduction can mean a lot.
Filing for bankruptcy in Arizona will put a stop to the garnishment. The automatic stay granted through filing for bankruptcy in Arizona applies to wage garnishment, and the bankruptcy proceedings themselves can deal with the debt that you have acquired, making it easier to pay off than going through wage garnishment.
Filing for bankruptcy in Arizona is not always the right choice for everyone, but if you are facing wage garnishment, it is worth discussing with a qualified, experienced attorney. You need to know all of your options, how they can impact your financial future, and how to go about getting started in clearing your debt one way or another.
If you are facing wage garnishment it is important to understand all aspects of wage garnishment laws and how they apply to you. Whether you choose to file bankruptcy to deal with your debt, or accept the wage garnishment, there are things you can do to alleviate the financial strain and ensure that your rights are protected as much as possible. Legal assistance is vitally important in this process, ensuring that you are treated fairly throughout the court system.
Wage garnishment laws can be confusing, and the whole process can be discouraging, so do not hesitate to seek legal assistance to make things easier on you. Becoming debt free is easier, and closer to your reach, than you might think!
Disclaimer
This blog is intended as a general discussion of legal issues and not as a statement of fact, legal advice or a legal opinion. No attorney-client relationship is created by this blog. Do not act or rely upon law-related information in this communication without seeking the advice of an attorney licensed to practice in the relevant area.