Knoxville Wage Garnishment Attorneys
Assisting Clients With Wage Garnishment in East Tennessee
The concept of wage garnishment is one that often makes people disheartened and frustrated. When they have worked so hard in an economy that is already punishing them with low wages and hours, it is discouraging when creditors swallow up a person's hard-earned salary without them even seeing a penny. What is even worse is that this type of method of paying back debts is a long process that is hardly effective at helping you lose the chains of debt.
If you are a resident of Morristown, Knoxville, or Sevierville who happens to be faced with the threat of garnished wages, The Law Offices Of Mayer & Newton are ready to support you. Our determined wage garnishment attorneys in Knoxville can help you file for either Chapter 7 or Chapter 13 bankruptcy options. Through the safety net of bankruptcy, you can make your payments without the fear of creditors constantly hassling you to withhold wages.
Call us today at (865) 328-7993 so that our Knoxville wage garnishment lawyers can help you avoid the hardship of this process.
What is Wage Garnishment?
Wage garnishment is considered a legal process through which a portion of an individual's earnings is withheld by their employer in order to satisfy a debt. It is a powerful tool utilized by creditors to recover unpaid debts, often resulting in financial challenges for the affected individuals. Wage garnishment typically occurs after a creditor has obtained a court order, allowing them to collect a specific amount directly from the debtor's paycheck. Common scenarios leading to wage garnishment include unpaid child support, outstanding taxes, defaulted student loans, and other debts subject to legal action. At The Law Offices Of Mayer & Newton, our Knoxville wage garnishment lawyers recognize the impact this process can have on your financial stability and are here to offer comprehensive legal support.
What are the Disadvantages of Wage Garnishment?
When your creditor goes to the local court and requests to garnish your wages, several consequences result from this event. These consequences can have painful effects on your life and livelihood.
Some of the major disadvantages of wage garnishment include:
- You might be required to have up to 25% withheld from your earnings: Having a large chunk taken out of your income can threaten your ability to take care of other debts you must pay.
- Your boss or employer could force you to pay a fee for handling expenses: This results in an even greater loss of funds.
- Your employer cannot refuse the process of garnishment: If your employer does not have the garnishment paid on time in the full amount of the selected percentage, they will be forced to pay the whole sum of your debt, even if this happens for emergency reasons.
- Your employer could often begrudge the trouble of wage garnishment and fire you: Often, employers do not want to deal with the risk and hassle of garnishing your wages because it requires a lot of time and paperwork, in addition to the horrible burden hanging over them that they might have to pay your debt. As a result, many employers simply fire their employees rather than bear the responsibility of wage garnishment.
What Can I Do If My Wages Are Being Garnished?
There are definitely still options for you if you ever find yourself in the tough situation of having your wages garnished.
- Negotiate with creditors. You may be able to work with the creditor to resolve the debt, such as negotiating a smaller monthly payment or negotiating a debt settlement.
- File for bankruptcy. One of the most effective methods of immediately stopping garnishment is by applying for Chapter 7 or Chapter 13 bankruptcy with our knowledgeable wage garnishment lawyers in Knoxville.
- Challenge the garnishment. It may be possible to challenge the garnishment if the amount taken is more than appropriate or if the creditors didn't follow the proper protocol to request the garnishment.
Contact Knoxville Wage Garnishment Lawyers Today
The moment that you turn in your application to be processed, any future or current event of garnishing (except for funds going toward child support) will be immediately cut off, so that you are not being slowly bled of your income. Additionally, all funds that had been taken away from you following your bankruptcy application date are required to be returned to you.
"I only had the pleasure of working with this office for a couple short years. These were some of the hardest years of my life and they helped tremendously with easing some of my burdens. This office ..."Kyle Gartman
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"They are very professional and always answered any questions that we had. would recommend this office for any help that you need. thanks again for everything"Mary Neal
"Very happy client. The attorneys and staff went above and beyond to help me resolve my issues. They were polite, understanding, and passionate about my case. They always had my interests in mind, ..."Casey
"They were able to help us to easily navigate the bankruptcy process, they were kind and knowledgeable, and treated us with dignity through a process that can be extremely distressing. John Newton is ..."Helen Carlyle