Can Bankruptcy Stop Garnishments?

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Wage Garnishments

Bankruptcy wage garnishments

After a creditor receives a judgment from a Court, the creditor can seek to collect shortly thereafter by issuing a court order to your employer to automatically withhold a certain amount from each paycheck until it is paid in full while interest accrues. A bankruptcy can STOP this as soon as your case is filed, which could be before your next paycheck is garnished!

Bank Account Garnishments

Bankruptcy creditors

After a creditor receives a judgment from a Court, the creditor can seek to collect shortly thereafter by issuing a court order to your bank accounts to freeze the funds currently held in the bank accounts and to freeze any additional funds that get deposited in such accounts, including paychecks, to then turnover to the Creditor as payment toward the debt you owe. A bankruptcy can STOP this if your case is filed before the bank account is frozen.

Harassing Phone Calls

Harassing creditor phone calls

Anyone who is past due on a debt (including car loans, house payment, credit cards, etc) begins to receive countless phone calls at all times of the day making very harmful, if not downright illegal, statements to coerce you into making any form of payment on your debt. A bankruptcy can STOP this as soon as your case is filed and can provide us a process to sue your creditors if they refuse to stop!

Debt Collectors

Debt Collectors

Seriously, does anyone like debt collectors? Ironically, our firm has represented debt collectors and even they do not like other debt collectors. Simple, a bankruptcy can STOP these debt collectors in their tracks (and with their big mouths wide open) and provides a means to sue them if they refuse to leave You alone! And trust us, we love to sue arrogant and manipulative debt collectors using illegal tactics to harm our clients!

Credit Card Debt

Credit Card Debt

Sometimes credit card debt becomes impossible to manage due to a loss of income or outrageous interest rates; and therefore, it will take 10 to 15 years to pay off your existing credit cards. Whatever the reason, bankruptcy can put a STOP to your credit card debt and high interest accumulation by eliminating all or a portion of the credit card balances.

Medical Bills

Medical Bills

Sometimes medical bills pile up because of no health insurance or inadequate insurance coverage, or unexpected and emergency medical care is required thereby making it nearly impossible to pay off or even recover from health problems. Whatever the reason, bankruptcy can put a STOP to your medical debts and is a very acceptable reason for filing bankruptcy.

Utility Shutoffs

Utility Shutoffs

In some situations the financial stress is so great that some families are juggling to pay all bills that become due and are unable to pay the necessities, like the electric bill. If an electric bill becomes past due, then a notice may be received designating a shutoff date. By filing a bankruptcy before such shutoff date we can STOP the utility from being shutoff and can eliminate the past due amount in bankruptcy; however, a security deposit will be required to be paid immediately, in which we can then file a motion with the Court to grant you an additional 90 days to pay the deposit!

Old Past Due Rent

Past Due Rent

Bankruptcy can STOP a landlord or debt collector from collecting past due rent!


Auto Repossessions

Read the section/icon regarding Your Car.


Home Foreclosure

Read the section/icon regarding Your Home.

High Car Payments

High Tax Payments

Read the section/icon regarding Your Car.


St. Louis Taxes

Read the section/icon regarding Tax Information.


Are you still wondering… “can bankruptcy stop garnishments?”  We hope the information above helped you with that question.  If you have additional questions please call us at (800) 7-BENSON to setup a free bankruptcy consultation.

Important Disclaimer: The information discussed above and throughout this website should not be relied upon to make any decisions without first speaking to a bankruptcy attorney. There are many intricate rules of law governing bankruptcy with many exceptions to the general rules that could change the advice given by an attorney based on the differing facts in each person’s special set of circumstances. THEREFORE, it is important to discuss any information contained in this website with one of our attorneys before taking any action or refraining from taking any action.

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Coronavirus: Our Office And Your Safety

Our Offices In Illinois And Missouri: Our offices will continue to remain open to serve all our current
and future clients as we, as attorneys, have sworn an oath to uphold! A Bankruptcy Law Firm, LLC provides
legal and financial services in which Illinois and Missouri have deemed our law offices essential business
activities. Michael J. Benson is committed to ensuring each and every client is being responded to as
immediate as possible, please read below to help our law firm be more efficient so that we may help
EVERYONE with ALL your questions and concerns, especially during these uncertain times.

Precautions: Until the “Stay at Home” Orders have been lifted our offices are functioning 100%.
However, for the safety of you and our employees we are limiting in-office appointments to only those
appointments absolutely necessary, and we are timing appointments so that there will be only ONE client
in the office at any particular time. Therefore, we need your help, patience and understanding to achieve
this goal. We ask our clients to minimize their movements within our offices upon your arrival and to
refrain from using the restrooms at this time. Further, we are disinfecting the waiting area and the office
where your appointment will be held to the best of our ability in between each and every client.
Current Clients: At this time, we are conducting ALL appointments with current clients via telephone
or email communication. Michael J. Benson prefers to give personal attention to each and every client
and to meet his clients personally as much as possible throughout your entire case. However, safety
comes first during this pandemic, and therefore, we will not hold in-office appointments. Further, we
kindly ask clients to not arrive at the office unannounced as this may cause more than one client in the
office at a given time and jeopardize the safety of others—PLEASE respect the safety of others! In regards
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New Clients: We are still meeting with new clients who have bankruptcy questions now more than ever.
We will meet with you in person and our goal is that you will be the only client in the office at a given
time. If you believe you may have coronavirus symptoms, tested positive for coronavirus or if you are an
at-risk person, then please let our office know and we can schedule a phone consultation so that you can
still receive answers to your questions and concerns.
Phone Calls And Voicemails: Please understand that our office, like every business, is experiencing
an extraordinarily high volume of calls during this time. Again, our office is 100% committed to responding
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