Minnesota Wage Garnishment Attorney

Overcoming Wage Garnishment

One of the worst parts about struggling to overcome debt is wage garnishment. In many instances, creditors who receive judgment against you can have your wages garnished, which means your full paycheck will not even reach your bank account but instead part of it will go straight to the creditors. If this is happening to you, then you can understand how negatively this can impact your life. Most of us need our full paycheck to live and to pay for the day-to-day expenses such as food, fuel, clothing, electricity, etc. A reduced paycheck can cause you to struggle financially. Furthermore, it also means that your family may suffer. After all, if there is no money for groceries this week, it is not only you who won't be eating; it is also your children.

In Minnesota, wage garnishment rules allow creditors to take:

• 25% of the disposable earnings (after taxes and social security reductions)
• The amount of the disposable earnings that exceed 40 times the federal minimum hourly wage.

25% of your disposable income may not seem like a lot but, in reality it is. In fact, most people will live off around 25% of their income once all the bills have been paid. When filing for bankruptcy, whether it is Chapter 7 or Chapter 13 bankruptcy, wage garnishment will stop immediately. This means that, while you are waiting for your court appearance and filing the paperwork, you will not have to worry about making it through another week. That 25% of your paycheck will go into your account so you can be sure you and your family will make it through another week. A Minnesota bankruptcy attorney can help you with this process.

Wage Garnishment Lawyer in Minnesota

Heimerl & Lammers are experienced bankruptcy attorneys , and can provide you with the assistance needed to put an end to wage garnishment and file for bankruptcy. We are a debt relief agency dedicated to helping you resolve your financial stress. Give Heimerl & Lammers a call today for a free initial consultation, expert advice and professional service that can make all the difference in the world.

Contact a Minnesota wage garnishment attorney if you are faced with wage garnishment and need help getting the matter resolved.