BANKRUPTCY
Will stop a Garnishment of your wages or checking & bank accounts     immediately.

Upon the filing of a bankruptcy petition the law will immediately stop the Garnishment of your wages or bank accounts.

WE  CAN  GET  YOUR MONEY  BACK !!!!!!!!!

FILE BEFORE RETURN DATE.

Virginia allows a creditor to garnish 25% of your wages or 100% of your bank accounts usually up to 3 months at a time.  The return date is the date at the end of the 3 months when the creditor goes to court to pick up YOUR money.  If we file your petition before that date we can usually get that money back for you.

OUR FEES:

If the court is holding your money we may be able to use that money for our fees and costs.  We realize you may not have much money to hire a lawyer if your wages are being garnished or your bank accounts have been frozen.   Call us and we will help you.



A Chapter 7 Bankruptcy

In most cases the Chapter 7 will discharge the debts and the creditors will never be able to garnish you again.

A Chapter 13 Bankruptcy

In a Chapter 13 Bankruptcy we can put your debts into a repayment plan.  We can stretch out your debts over 60 months.  As long as you are making payments in your plan the creditors cannot garnish you again.  Based on your income and assets we may be able to pay back pennies on the dollar.