Shelton Wage Garnishment Lawyer

If you stop making payments on credit card debt or medical bills, creditors can secure a judgment against you allowing a state marshal to enforce a wage garnishment, deducting money from your paycheck until the debt is fully repaid.If you are facing wage garnishment, you need to speak with Attorney Tim Pletter, a Shelton wage garnishment lawyer, who willfight back against these situations. He will assist you in navigating your available options.

Working with our team atAmbrogio, Pletter & Associates, LLC, youcan push back against these creditors and protect your finances and future well-being. We have the necessary knowledge to make informed decisions and take the steps toward a more stable financial future. Debts happen.When they become too difficult to manage on your own, we are here to help.

Understanding Wage Garnishment in Shelton, Connecticut

If you are facing large amounts of credit card debt, medical debts, or unpaid taxes, certain creditors, including the IRS, can impose a wage garnishment against you. This means these creditors or governmental entities will deduct fundsfrom your paycheck until your debts are paid in full. This harms your financial situation and makes it increasingly more difficult to keep up with debts that were already becoming a challenge.

When facing wage garnishments in Shelton, Connecticut, these legal options offer strategies to relieve debt:

• Chapter 7 or Chapter 13 bankruptcy. When you file for any kind of bankruptcy in Connecticut, it can put a temporary stop to wage garnishments being imposed upon you by creditors through an automatic stay. If you file for Chapter 7 bankruptcy, your debt can be eliminated or discharged entirely, permanently ceasing wage garnishment against that debt. If you file Chapter 13 bankruptcy, your debts may still need to be repaid over time and depending on your income and assets, at a fraction of the amount you owe.Creditors will no longer be able to garnish your wages to collect on the debt once you file bankruptcy.
• Hardship petitions. In somecases, a judge has the discretion to order a decrease in thewage garnishment percentage if you demonstrate that you are suffering financial hardship. Financial hardships includes dealing with a foreclosure, having your work hours cut, being a single parent with only one income, or requiringtime off work for medical reasons.

  You should file a hardship petition after the creditor receives a legal judgment against you but before the wage garnishment begins. Nevertheless, it is possible to requesta judge lower the percentage due to financial hardship.

You have several legal options available toyou to stop wage garnishment in Connecticut. Attorney Tim Pletter, ourShelton wage garnishment lawyer,willhelp you understand these strategies and determine which option most appropriatelyworks for you and your needs.

The Financial Impacts of Wage Garnishments

When you work with Attorney Tim Pletter, he willhelpyou savemoney and regain financial stability. At Ambrogio, Pletter & Associates, LLC, we understand how far-reaching the implications of wage garnishments are and how they impact your present financial stability. If you are facing wage garnishment, consider the following, as they impactyour personal finances:

• Reduced take-home income. The clearest impact of wage garnishment is the fact that you will suffer a reduction in the amount of money you take home. This reduction in personal finances hindersyour ability to cover normal expenses, such as utilities, rent, and groceries.
• Difficulty meeting financial obligations. With a reduced net income, it will be difficult to pay offother debts, such as your mortgage, car loan, credit cards, and other personal living expenses.
• Increased debt. Because your net income decreases, and payments on your mortgage, credit cards, and vehicle loans are more difficult, your debt will continue toincrease.
• Increased stress. When facing all these financial strains, you maysuffer high levels of stress concerning your ability to meet your financial obligations. This places further strain yourself physically and on your relationships.

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Speak With a Trusted Wage Garnishment Lawyer Today

If you are facing wage garnishment in Shelton, Connecticut, the team at Ambrogio, Pletter & Associates, LLC is here for you. Contact our offices today to learn more information and schedule an initial free consultation.