Stop Garnishment in Memphis, TN | Protect Your Paycheck Now

Facing Wage Garnishment in Shelby County? We Can Help

Wage garnishment can drain your paycheck quickly, causing stress and financial hardship. If your employer in Memphis or Shelby County has started garnishing your wages, you have strong legal protections—and you don’t have to face this alone. Filing bankruptcy triggers an automatic stay that immediately stops wage garnishment and halts creditor collection actions. Our experienced Memphis bankruptcy staff acts fast to protect your income and help you regain control over your finances.

How Bankruptcy Can Stop Your Wage Garnishment

When you file for bankruptcy under Chapter 7 or Chapter 13 in Memphis, an automatic stay takes effect immediately. This powerful legal protection:

• Stops your employer from garnishing wages as soon as they receive notice
• Halts collection calls, creditor lawsuits, and additional garnishments
• Helps you regain control over your paycheck and financial life

Many clients see garnishments stop within 24 to 48 hours after filing.

Step-by-Step: How We Help You Stop Garnishment Fast

1. Receive Garnishment Notice? Contact us immediately—timing is critical.
2. Call Our Memphis Office. Our legal team advises on your best options.
3. File Bankruptcy Petition. We can prepare and file quickly to trigger the automatic stay.
4. Notify Your Employer. The employer is legally required to halt garnishments.
5. Automatic Stay Protects You. Garnishments legally stop, protecting your income.
6. Post-Bankruptcy Protections. Tennessee exemptions further safeguard your wages from future garnishments on discharged debts.

Why Choose Our Memphis Bankruptcy Lawyers?

• Over 40 years helping Memphis-area clients stop wage garnishments
• Fast, effective legal solutions tailored to your financial situation
• Deep familiarity with Western District of Tennessee Bankruptcy Court procedures
• Clear guidance on Chapter 7 liquidation and Chapter 13 repayment plans
• Free bankruptcy consultations to explain costs and options upfront

Common Questions About Wage Garnishment and Bankruptcy

Can self-employed individuals stop wage garnishment?

Yes. Bankruptcy protections apply regardless of how you earn income.

Will my employer know about my bankruptcy?

Employers receive only the legal notice to stop garnishment, not your financial details.

Does bankruptcy stop child support garnishment?

Child support garnishments have unique rules; we will advise how bankruptcy may impact your case.

Will garnishment affect my credit score?

Garnishments themselves don’t directly affect credit, but underlying debts may. Bankruptcy affects credit but offers long-term relief.

Take Action Now: Stop Wage Garnishment Today

Don’t let creditors control your paycheck another day. Our Memphis bankruptcy lawyers provide fast, effective help to stop wage garnishment and give you a fresh start.

^*For those who qualify under federal law.