How Garnishments Work

Garnishment is the process by which a creditor seizes a person’s wages or other financial accounts. Once a creditor sues, and obtains a judgment, it can use various means to collect the judgment. In Ohio, a wage garnishment is quite severe as the involuntary check seizures will continue until the debt is satisfied. Similarly, an account attachment can be financially ruinous, and start an avalanche of bounced checks, and the problems which always follow.

The automatic stay against further collection of debts is immediately imposed by a Chapter 13 filing. Even though a certain creditor may have a judgment against you, this creditor must wait to be paid along with your other creditors. Thus, your wages will return to their normal level, and all financial accounts will henceforth be protected.

For more information on garnishment, call Spiroff Law at 614/224.2104.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.