Bank Levy & Wage Garnishments in Fresno, CA
How to Protect Your Paycheck
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? If you have
creditors harassing you and want to protect your hard earned wages, our Fresno
bankruptcy attorneys have the experience and skill to stop wage garnishment and help
you find debt relief.
IRS Debts and Student Loans
Generally, the rule of thumb is: The Federal Government will let you go
bankrupt on anyone except for themselves. However, a skilled bankruptcy
attorney can sometimes find an exception to the rule. 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. Student loans are made by financial
institutions directly to either the student or to their College/University.
However, you may not be aware that student loans are generally backed
by the Federal Government, which can make discharging this debt incredibly
difficult. If you are struggling to pay an overwhelming amount of debt,
especially from a Federal source, we encourage you to contact our law
office today. Our firm has highly skilled and dedicated bankruptcy attorneys
who know the ins and outs of
Chapter 7 and
Chapter 13 bankruptcy and can help create a plan to meet your specific needs.
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 in 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.