Fresno Family Law Attorneys

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Bank Levy and Wage Garnishments

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Bank Levy & Wage Garnishments in Fresno, CA

We Can Help You Stop These Legal Actions

Imagine writing out checks for your monthly bills, only to learn later that these checks are all being returned for non-sufficient funds. Why?! You learned that the monies have been sucked out of your account by an old creditor who obtained a default judgment against you. This is commonly referred to as a Bank Levy or a seizure of all or part of the monies sitting in your account. Normally, creditors time this levy to correspond with pay days.

Perhaps, equally as bad is a creditor who garnishes (takes) a percentage of your gross wages. Can you support your family taking home 25% less of your wage each and every month until your judgment and the interest thereupon is paid? Make an appointment to see us today. Our Fresno bankruptcy lawyers can stop these types of legal actions. Call now to schedule your case evaluation.

IRS Debts and Student Loans

Generally, the rule of thumb is: The Federal Government will let you go bankrupt on anyone except for themselves. Seriously, there are ways to go bankrupt on your past taxes with any taxing authority, including the Internal Revenue Services. But there are several legal obstacles that you must meet to pull this one off. The same holds true for most student loans.

Most student loans are made by financial institutions directly to either the student or to their College/University. However, you may not aware that student loans are generally backed by the Federal Government. At the Arnold Law Group, APC, our Fresno bankruptcy attorneys are very familiar with the bankruptcy laws applicable to the discharge of these types of debts. See us for a case evaluation.

Home Loan Modifications

  • Credit Counseling Programs;
  • Credit Card Modifications of the Interest Rate and/or Principal Balance;
  • Voluntary Repossession of your Residence, submitting the Deed in Lieu of having your Home foreclosed upon; and/or
  • Short Sale of your Residence, whereupon both yourself and the mortgage companies agree to have a qualified realtor sell the residence for less than what is owed upon the residence.

Unfortunately, the sad reality is that many companies who promote and advertise these programs prey upon persons with credit problems that are desperately seeking financial relief as a means of avoiding bankruptcy. Oftentimes, persons who become involved in these programs pay out a great deal of monies, only to find out that little to no help has been provided to them. Prior to enrolling in one of these programs, please see us for a case evaluation.

Got Sued?

Have you been served a legal summons to appear in Superior Court? Has a default judgment been taken against you by a creditor or collection agency? Have you been served legal papers requesting that you appear in court to submit to an Order of Examination? Have you received a Subpoena demanding Production of certain personal documents, such as bank accounts, titles to property and cars?

See our bankruptcy lawyers before you go! Bankruptcy can stop such legal actions in Superior Court. Upon the underlying debt being discharged by the U.S. Federal Bankruptcy Court, such law suits against you will be dismissed. If you have been served legal papers, do not wait to schedule a case evaluation with the bankruptcy attorneys of the Arnold Law Group, APC.

Divorce and Bankruptcy

At Arnold Law Group, APC, we are one of a handful of law firms who have qualified attorneys practicing in both of these areas of law. What does this mean to you? Quite often, these areas of law actually overlap each other. We can determine whether or not it may be beneficial to file your bankruptcy case prior to filing for divorce, prior to your divorce case concluding or shortly after your divorce case concludes. The result of a strong law firm handling both issues is a win-win for the clients of the Arnold Law Group, APC. As our lawyers regularly appear on local cases, we can provide great legal insight to both legal aspects of your case.

Spousal Support and Child Support

At the Arnold Law Group, APC, we are very familiar with these issues. Please keep in mind that these types of family law judgments are generally non-dischargeable. Meaning you may not be able to go bankrupt upon these debts. Nevertheless, these are real debts and can actually work to your advantage when filing for bankruptcy.