Wage Garnishment and Liens

Money is already tight. How are you going to pay your other bills  when a creditor is grabbing a big chunk of every paycheck? Garnishment  only creates more stress and new financial problems.

You  CAN do something. Filing for bankruptcy will prevent wage garnishment  or stop those creditors from taking any more of your money. It may even  be possible to get back funds that were recently garnished.

Relief Is A Phone Call Away

We will explain your rights in a Complimentary consultation.  Our Chicago bankruptcy attorneys can file your case quickly to halt or  head off garnishment of your paycheck or liens against your bank account  or assets.


Robert  J. Adams & Associates serves Chicago and the surrounding  communities of Cook and Lake counties. We help honest and hardworking  people get relief through Chapter 7 and Chapter 13 bankruptcy. Our  attorneys regularly get calls from panicked wage earners who are facing:

  • Wage garnishment — Under Illinois law, creditors can seek a court order to take up to 15  percent of your gross wages. If you earn $2,000 a month, for example,  that’s $300 off the top of your paycheck. After taxes and garnishment,  you would be left with net pay of only $1,200 to cover your rent, car  payment, child care, groceries and other expenses.
  • Bank garnishment — As an alternative to garnishment through your employer, creditors can  pursue debt repayment directly through your bank or credit union. They  can lay claim to current funds in your account or against future  deposits. Some funds are exempt, such as government benefits, and  creditors cannot take all of your money. But they will freeze your  account and squeeze every dime they can.

General Information:

Filing  for bankruptcy stops creditor actions, period. Creditors cannot  continue to pursue court orders for garnishments or liens. They cannot  continue an existing garnishment. They cannot harass or threaten you by  phone or demand payment.


Once  you are under the protection of the Bankruptcy Court, you will not have  to worry about garnishment. Those debts are either forgiven (Chapter 7)  or restructured and paid over time (Chapter 13).

In many cases, our lawyers can file your petition the same day to immediately stop garnishment, repossession and other collection  actions. Do you want relief of wage garnishments and tax liens in  Chicago, Illinois and surrounding areas? Call Robert J. Adams &  Associates in Chicago, IL for tax liens, wage garnishments,  repossession, foreclosure defense and discuss your financial issues with  our experienced debt relief and bankruptcy attorneys. We have offices  located in Waukegan and Lake County, Illinois and we also help clients  in surrounding areas. We have experience aiding people with bankruptcy,  debt relief, foreclosures, repossessions, paycheck garnishments,  collections suits, payday loans, parking tickets, license suspensions,  income tax problems and much more. Call today to speak to our  experienced lawyers in Chicago, Illinois and surrounding areas to get  relief of tax liens and wage garnishments through Chapter 7 or Chapter  13 bankruptcy.

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