On behalf of Debt Advisors, S.C.

What is Wage Garnishment?

Wage garnishment is a legal remedy that allows a creditor to take money directly from a bank account or you paycheck. If the creditor sues you to collect a debt and wins a court judgment against you, the creditor can ask the court for an order to garnish your salary, bank account, or other assets.

A creditor can obtain a court order requiring your employer to withhold some of your salary and pay it to the creditor. In addition, a creditor can ask the court for an order instructing your bank to turn over funds you have in your bank account.

Social Security Benefits Protection

Social Security benefits have been exempt, in most cases, from garnishment. The problem has been that banks would freeze accounts when they received a garnishment order and not check to see if Social Security checks had been deposited.

The U.S. Treasury Department has issued a new rule that forces banks to check whether Social Security or other federal benefit payments have been automatically deposited into the account. If so, the bank must protect two months’ worth of those payments. This is to protect the elderly, who may have very limited financial resources and may not understand the process to challenge a garnishment of their social security benefits.

Questions? Speak with an Attorney

Because garnishment is a statutory remedy (created by the legislature) it is very technical, with formal requirements to create a garnishment and to challenge one. If you have questions about protecting your social security payments or any wage garnishment, speak with an attorney experienced with consumer protections and collections law.

Understanding the complexities of bankruptcy laws and how they can impact your financial situation is crucial. At Debt Advisors, we have a team of experienced attorneys who specialize in bankruptcy laws and can guide you through the process. For those in the Kenosha area, our Kenosha office is well-equipped to provide localized support and expertise.Whether you’re concerned about the impact of COVID-19 on bankruptcy laws or need assistance with the Wisconsin Chapter 7 means test, our team has the expertise to help you navigate these complex legal waters.

Learn about bankruptcy protections, types of bankruptcy, how to get started, what to expect, and who to trust. Filing bankruptcy is the ONLY way to completely eliminate debt. If bankruptcy is right for you, it offers powerful protections that cannot be achieved through alternative solutions such as hardship relief, loans, or debt settlement.

  • Exceptional service. The entire team was friendly and knowledgeable. The attorney took his time to walk me through step by step. I will recommend this law office to anyone!

    J Burks

  • I went through Debt Advisors as a referral by a friend. I am very happy I did so. The staff that I worked with were very helpful and showed a high level of professionalism. They were always able to answer any questions that I had. I was very happy with the attorney that I worked with, Michael Georg. Very professional.

    Terri Grote

  • Attorney Chad Schomburg and Debt Advisors helped me with my debt about three years ago. Chad explained the process to me and answered any questions I had, and the assistants compiled my documentation very efficiently while keeping my case moving forward. They were always available when I needed them, and even years later, I’m able to reach out to them, and they are willing to help. They have turned my life around 100%, and I could not have done it without them! Absolutely recommended!

    Tim Harris

  • They were there for my family from day 1 until the end, 5 years later (Ch. 13). Whenever I had questions or concerns they were always very responsive and gave me excellent advice. Michael and Jeremy are both exceptional bankruptcy attorneys. I highly recommend Debt Advisors.

    Steve

  • After I had to go on disability, I used my credit cards a lot more thinking I could pay them off when I was able to go back to work. That didn’t happen and I found myself so much worse off than I could handle. I went to Debt Advisors feeling terrible about what I had to do. Chad and everyone there were very understanding and put my mind at ease while taking such great care of me. They were there every step of the way and supported me when I was “freaking out”!! Every time I needed to contact them; their response time was amazing!! God forbid I ever need to go through this again, but I know where to turn if I need help! Debt Advisors are more than just filing bankruptcy on my behalf. They really care about what you are going through!! Thank you, Chad, Jeremy, Mike, and everyone at Debt Advisors!! I cannot tell you enough how much I appreciate all of you!! J Hammond

    Steve

  • After I had to go on disability, I used my credit cards a lot more thinking I could pay them off when I was able to go back to work. That didn’t happen and I found myself so much worse off than I could handle. I went to Debt Advisors feeling terrible about what I had to do. Chad and everyone there were very understanding and put my mind at ease while taking such great care of me. They were there every step of the way and supported me when I was “freaking out”!! Every time I needed to contact them; their response time was amazing!! God forbid I ever need to go through this again, but I know where to turn if I need help! Debt Advisors are more than just filing bankruptcy on my behalf. They really care about what you are going through!! Thank you, Chad, Jeremy, Mike, and everyone at Debt Advisors!! I cannot tell you enough how much I appreciate all of you!! J Hammond

    J Hammond

  • Chad Schomburg and his Staff did a phenomenal job for me and in an expeditious manner. I’ve recommend countless clients to Chad Schomburg, Wow!!! Outstanding customer service from the Schomburg office:)

    Lisa Williamson