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St Louis Bankruptcy: Why Does A Creditor Get To Garnish My Wages Or Levy My Accounts?


The only way a creditor can garnish your wages or levy a checking account is by first receiving a judgment against you in a court of law. Otherwise, they cannot do it (regardless of what kind of threats they happen to tell you). But we can fix that situation very quickly!! Below is a full description:

When you fall behind on payment to your creditors (regardless of whether it is a credit card, medical bill, or payday loan), the creditor will eventually sue you for breach of contract. When you are sued, the law states that you must be given notification of this action. This notification comes in the form of a summons that is delivered to you by way of a process server.

The summons will notify you of the court date (which is usually about thirty (30) days out). At this court hearing, you will have the opportunity to plead your case. But almost always, the judge will rule in favor of the creditor.


Once the creditor has this judgment in hand, it can do one of three main things: 1) garnish your wages; 2) place a levy upon your bank accounts; 3) place a lien upon your real estate.

The best (and easiest) way to resolve this kind of situation is a St Louis bankruptcy!! This kind of filing will put an immediate halt to any creditor activity whatsoever (including the three things mentioned above). And the underlying debt (credit card, medical bill, etc.) will be handled by the bankruptcy court too. In a St Louis Chapter 7, all unsecured debt is knocked out completely; in a St Louis Chapter 13, this debt is usually knocked out, but there is a chance a portion of it would get paid back inside of a repayment plan.

Either way, you really ought to get in touch with us right away!! Because the longer you wait, the longer you will have to deal with the garnishment or levy! We will answer all your questions, describe your options and rights, and help guide you through the entire process from start to finish!!

The affordable St. Louis bankruptcy attorneys at The Bankruptcy Company have been saving and protecting people’s assets for years. Our goal is to make sure that you keep the assets and property you want, discharge the debts that you want to get rid of, and do it all at an affordable cost to you. All phone conversations and office consultations are free of charge.

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