Any person who has ever suffered wage garnishment likely remembers vividly the sharp surprise and distress associated with such a discovery.

As we note on our Little Rock Wage Garnishment page at Robertson Law Firm, PLLC, garnishment “is one of the most aggressive and invasive credit collection measures” employed by creditors pursuing a consumer for debt repayment.

And it frequently comes as a total surprise.

From a debtor’s perspective, the tactic certainly seems violative and invasive. A third party has gone behind your back, and your bank has complied with an order to withhold wages without likely conferring with you at all.

And now you are struggling even more than before, with funds that you were relying upon and expecting to use to perhaps repay debt now simply being absent from your savings account.

Can you do anything about that?

The answer might be a combination yes/no response. Although some garnishments apply to things that are generally nonnegotiable when it comes to halting fund siphoning (such as child support payments, student loan debts and tax-related exactions), many other garnishments can be stopped.

Our attorneys at Robertson Law Firm confer candidly and confidentially with clients to determine strategies for dealing with wage garnishments. Many people are happy to learn that a Chapter 7 bankruptcy filing, for example, can stop garnishments and other collection efforts, and further result in some forms of debt being dischargeable. Medical bills and credit card payments are among the types of non-secured debt that can typically be erased through bankruptcy.

Our firm can supply further information. We work diligently on behalf of clients throughout Arkansas seeking viable debt-relief options.