Going through debt is already is already a stressful experience. It becomes even more stressful when your employer garnishes your wages. If you are trying to work through a difficult financial time, the last thing you need is to have creditors filing lawsuits against you and taking money out of your paychecks against your will. What you need is a way to get back on the right financial path without the distraction of creditors whose only solution is for you to pay them in full immediately.
Depending on your situation, filing for bankruptcy may provide the debt relief solution you need. An experienced bankruptcy lawyer can explain all your options. At the Salt Lake City law office of Justin M. Myers, Attorney-at-Law, LLC, we will help you make an informed decision about the best course of action to get a fresh start.
Filing for bankruptcy puts an immediate stop to all lawsuits and garnishments against you. A provision in the bankruptcy law called the automatic stay requires that all collection activity, including any lawsuits and garnishments, immediately cease upon the filing of your bankruptcy petition. Not only can this increase the amount of money you see in your paychecks, it also allows you to focus on getting your financial affairs back in order.
When you hire our firm, you will work directly with Salt Lake City wage garnishment attorney Justin Myers from beginning to end. He will be there with you at every step to make sure that you understand your options and that the entire process goes smoothly. Mr. Myers has been involved in bankruptcy law his entire career and has helped many clients through complex bankruptcy issues. From the time a client visits for their initial consultation and all the way through trial, our legal team will take the time to answer any of your questions and concerns and how to regain your financial freedom from crippling debt.
Along with a bankruptcy petition and supporting documentation, people filing for Chapter 13 bankruptcy will also need to include a preliminary repayment plan which is usually developed during credit counseling. After the creditors meeting you will attend a meeting to confirm your repayment plan. Once your repayment plan has been successfully completed, you will receive a discharge of your debts.
A The means test measures your disposable income against that of other Utah citizens and ensures that your application for bankruptcy is not an abuse of the system.
After the creditors meeting has been completed, the trustee will identify your exempt property and your nonexempt property. Your nonexempt property may be sold at auction and the funds used to repay your creditors. If your trustee decides that none of your property can be sold, you would lose nothing.
After the funds, if any, have been distributed to your creditors, you will receive a discharge and will no longer have any personal responsibility for those debts.
Debt relief requires immediate and effective solutions. Far too many people throughout Utah are facing a wage garnishment. The legal team at the Law Office of Justin M. Myers can help. In addition to educating and protecting the rights of clients, our legal staff can also help guide you through the legal process. It starts with a comprehensive initial consultation. Our team can also assist with obtaining important documents and preparing paperwork. Contact our office today to discuss your questions about stopping lawsuits and garnishments. We are available during regular business hours and by appointment evenings and weekends. You can reach us by phone at (801) 505-9679 or via e-mail.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.