Kentucky residents work so hard for their money, and most of them are living from paycheck to paycheck. This means that when a creditor successfully takes legal action to garnish your wages, the consequences for your finances can be devastating. In fact, you may not even be able to put food on your family’s table after the wage garnishers take their share.

If this is happening to you, it may be time to file for bankruptcy. A bankruptcy filing is the best way to put a stop to wage garnishment. In fact, if creditors continue to try and harass — or garnish the wages of — a Kentucky resident who has entered the bankruptcy process, the creditor will face stiff and extremely prohibitive legal consequences. In fact, the consequences are so severe for creditors who fail to honor and respect a bankruptcy filer’s privacy, that it is very rare for a creditor to violate the do-not-harass policy.

Both Chapter 7 and Chapter 13 bankruptcy proceedings have an “automatic stay” associated with them, which prohibits the harassment of the borrower. These bankruptcy options also end wage garnishment, foreclosures and auto possession.

At the Law Office of Allan E. Dunaway PLC, we have helped countless Kentucky residents start and finish the process of crawling out from under a mountain of debt. In this respect, there is nothing that brings us greater joy than to see our clients complete the bankruptcy process to be absolved of their toxic debt and walk lightly and freely once again toward a more stable and financially secure future.