You’ve done everything you can to get on top of your debt, but everything seems to be working against you. Instead of improving your situation, you find yourself still struggling, still behind, drowning in financial woes. When things can’t seem to get any worse, wage garnishment begins. Michigan residents can turn to a bankruptcy law attorney to get such actions stopped.

Wage garnishment — this happens when creditors petition the court to take your pay directly from your employer in order to force you to pay back your debt. It may seem wrong that this can be done, but it can, and it only makes things harder on you. When you are already living paycheck to paycheck, someone taking part of your funds can be devastating.

Once wage garnishment is approved, one of the only ways to stop it is to file for personal bankruptcy. That may seem like an extreme measure, but in the long run, it could really benefit your situation. There are two personal bankruptcy options: Chapter 7 and Chapter 13.

Both forms of bankruptcy work to help you achieve financial freedom, but they do it in very different ways. A Chapter 7, if approved, could mean that the bulk of your debt is wiped clean. A Chapter 13, on the other hand, means that you are still responsible for paying back your debt, but an affordable payment schedule is set up for you to do so.

A bankruptcy law attorney can review the details of your situation and help you decide if bankruptcy really is right for you. There may be less extreme options available to Michigan residents that will work in your favor. To learn more about how an attorney can help you fight wage garnishment, please take a moment and visit our firm’s website.