Man was this a pain in the hind parts...I had a state tax garnishment, they were taking 25% of my net pay each week (I'm paid weekly).
After numerous emails to the state, communicating with the state attorney's and my payroll department...FINALLY...this week, the garnishment has stopped.
I really don't believe my attorney did one single thing for me in this process, I have some choice words for him but I'll save those until I am discharged.
I fully intend on paying the tax debt of course. But after discharge, I will return to the payment plan that I was initially on before I lost my job and then became underemployed.
All I ever wanted was the rights I am entitled to under the bankruptcy laws. I expressly said this to the state's attorney and my payroll department so both were aware that I knew my rights.
My suggestion to everyone....AVOID A WAGE GARNISHMENT....
My garnishment hit me by surprise...I was laid off and returned to the same company and the garnishment was in place before I received my first paycheck...I was never informed that they had a garnishment order...I think they are obligated to tell me....oh well, wasn't much I could do about it at that time.
Your rights are protected by filing bankruptcy, the automatic stay does in fact stop a garnishment order....but actually getting everyone to cooperate takes some time, it is not instant by any means.
Now...the next step...get the 6 weeks worth of money back that the state took from me that they were not supposed to....I'm sure I'll receive that in about 57 years....LOL
After numerous emails to the state, communicating with the state attorney's and my payroll department...FINALLY...this week, the garnishment has stopped.
I really don't believe my attorney did one single thing for me in this process, I have some choice words for him but I'll save those until I am discharged.
I fully intend on paying the tax debt of course. But after discharge, I will return to the payment plan that I was initially on before I lost my job and then became underemployed.
All I ever wanted was the rights I am entitled to under the bankruptcy laws. I expressly said this to the state's attorney and my payroll department so both were aware that I knew my rights.
My suggestion to everyone....AVOID A WAGE GARNISHMENT....
My garnishment hit me by surprise...I was laid off and returned to the same company and the garnishment was in place before I received my first paycheck...I was never informed that they had a garnishment order...I think they are obligated to tell me....oh well, wasn't much I could do about it at that time.
Your rights are protected by filing bankruptcy, the automatic stay does in fact stop a garnishment order....but actually getting everyone to cooperate takes some time, it is not instant by any means.
Now...the next step...get the 6 weeks worth of money back that the state took from me that they were not supposed to....I'm sure I'll receive that in about 57 years....LOL
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