Bankruptcy And Garnishment Concerns

Summary

Filing for bankruptcy can stop wage garnishment due to an automatic stay, but ensure all creditor information is correct. If an old bank account is listed, update it with the creditor. Pay your bankruptcy attorney promptly to ensure representation. Late car payments may incur fees, so inform your lender. Child support modifications can be filed independently of bankruptcy. Consult your attorney for specific advice.

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Hi Renée! It seems like your message got cut off. Could you please provide more details on your legal issue?
I received a letter from a creditor that stating wage garnishment hearing set for *.*.*. If I file bankruptcy on *.*.*, will that stop the garnishment
Filing for bankruptcy typically triggers an automatic stay, halting most collection activities, including wage garnishment. However, there are exceptions and specific conditions which might apply. Consulting a bankruptcy attorney would be beneficial to understand your situation fully.
Would you like more information on the bankruptcy process?
The statement lists a bank account that is not my current bank account. What will happen
If the statement lists a bank account that is not your current account, it could be a clerical error or an indication of identity theft.
- Contact the creditor to correct the information.
- Monitor your credit report for any discrepancies.
- If identity theft is suspected, report it to the authorities.
Would you like more information on how to handle identity theft?
The account was an old account that I used to have to pay that creditor
If the account listed is an old account you used to pay that creditor, it should not affect the current garnishment proceedings directly. However, it is important to ensure all information is accurate and up-to-date.
- Contact the creditor to clarify and update the account details.
- Consider consulting a bankruptcy attorney to discuss your specific circumstances and the potential impact of filing for bankruptcy.
Would you like more information on contacting a bankruptcy attorney or handling wage garnishment?
I have a bankruptcy attorney. Just need to pay final retainer payment
Since you already have a bankruptcy attorney, paying the final retainer payment promptly would ensure they can fully represent you and provide the necessary legal actions, like filing for bankruptcy before the wage garnishment hearing. This will help halt the garnishment process.
Would you like any more information on the next steps after paying the retainer?
What happens if my car payement is due the day I use the funds to pay retainer. Meaning my car payment may be a couple days late
If your car payment is a couple of days late, you may incur a late fee, and it could potentially affect your credit score. However, paying your bankruptcy attorney promptly is crucial to stop the wage garnishment process. Consider contacting your car loan provider to inform them of the situation; they might offer a grace period.
Would you like more information on communicating with your car loan provider or managing late payments?
No thank you.
It seems Renée is well on her way to resolving her issues with the bankruptcy attorney, but there are still some potential complications and important steps to take.
If you have any more questions or need further assistance, feel free to ask!
I also need to file a noncompliance and child support modification. Should I do that before the bankruptcy of after
It's generally advisable to consult with your bankruptcy attorney about the timing. However, filing for child support modification or noncompliance can typically be done independently of your bankruptcy case. Both processes address different legal issues and can run concurrently without interfering with each other.
Would you like information on the child support modification process?