Law Offices of Nicholas Gebelt

Whittier Wage Garnishment Lawyer


Stop Wage Garnishment and Repossession in Norwalk, California

If you are being threatened with wage garnishment or repossession, there is help available. Filing for bankruptcy can stop garnishment and repossession, at least temporarily, by providing an automatic stay against collection actions.

For assistance stopping repossession and wage garnishment, call the Law Offices of Nicholas Gebelt. We have years of experience helping people fight back against unfair debt collection practices. After we discuss your financial situation, our bankruptcy lawyer will tell you if filing for bankruptcy is a good option for you.

How Bankruptcy Can Help You

All chapters of bankruptcy can stop wage garnishment. In fact, filing for bankruptcy is the most common way to stop wage garnishment. Bankruptcy does this by triggering an automatic stay that stops collection activities during the bankruptcy process. Except for garnishments to satisfy domestic support obligations, your creditors will no longer be allowed to garnish your wages.

The automatic stay also prevents lien holders or lenders from repossessing the property, seizing collateral, or filing or foreclosing on liens. Under normal circumstances outside of bankruptcy, if you have a secured debt, such as a mortgage or car loan, the lien holder or lender has the right to repossess the collateral if you are no longer making the loan payments. The lender or lien holder takes the property and sells it to recover their financial losses. However, during the bankruptcy process, creditors are not allowed to do this unless they obtain the bankruptcy judge’s permission using a special legal tool called a motion for relief from the automatic stay and this takes time.

Law Offices of Nicholas Gebelt

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