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Understand Wage Garnishments & Bank Levies

Wage Garnishments and Bank Levies

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There are many people who have good intentions of paying back debts, but simply cannot afford the full amount of payments. This is especially true when garnishment or levies have been placed against them. Without your full amount of income, how are you going to be able to manage your money?

If you are facing wage garnishment, bank levies or your bank account has been frozen, contact Atlantis Law Firm right away. Their experienced and understanding team of debt relief attorneys will work with you to determine the full extent of your financial situation and ensure that you receive the most favorable outcome. Reach out to us for the support you need to move forward.


Contact Atlantis Law Firm online or call (888) 836-2396 for a free initial consultation. Our services are available in English, Spanish, and Vietnamese.


Why Do I Have a Wage Garnishment or Bank Levy?

Wage garnishments and bank levies occur when a creditor obtains a court order to put a hold on your bank account or withhold wages from your paycheck in order to repay a debt. This act of repayment can be extremely detrimental to individuals, especially because you are already in need of financial assistance; withholding funds from you can make money even tighter.

What is a Wage Garnishment?

If you are unable to pay your non-secured debts, a collector may be able to obtain a court order that allows for the withholding of your wages from your paychecks. When wages are being garnished, your employer will know about your financial hardships. Many people do not want anyone other than themselves and their attorney to be aware of their financial situation.

What is a Bank Levy?

A bank levy is when the creditor or lender goes through court to obtain an order to freeze your bank accounts. This means that all deposits and withdrawals will be halted and it can be impossible to obtain your funds without paying your bills first. This could cause major complications if you have automatic deposit or if your spouse is on a joint account with you. Filing for bankruptcy can put an immediate reverse on the bank levy and allow you to access your account.

Who Can Levy Your Bank Account?

Creditors may levy bank accounts -- this can be a person or business that is owed a debt. However, not all creditors have the right to do so. For example, credit card companies cannot request a levy (unless it is a situation where the bank issued the credit card). Creditors also must sue the debtor in court and win a money judgement before the levy is placed on a bank account.

How to Stop Wage Garnishment or Bank Levy

You can put a stop to the garnishment process or bank levy by filing for bankruptcy. When you file, an automatic stay will be placed on to your account and all collection attempts will be forced to cease.

Protect your money!

There are many people who have good intentions of paying back debts, but simply cannot afford the full amount of payments; this is especially true when garnishment or levies have been placed against them. Without your full amount of income, how are you going to be able to manage your money? If you are facing wage garnishing or your bank account has been frozen, you need to contact Atlantis Law right away. Their understanding team will work with you to determine the full extent of your financial situation and ensure that you receive the most favorable outcome for your case.

Questions and concerns can be directed to their trusted team by contacting Atlantis Law and scheduling a free case evaluation at your convenience.

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