Meiners Law Office, PLC
(520) 777-2198
Call (520) 777-2198

Stop Foreclosure and
Wage Garnishment

The day you file a bankruptcy case, a law called the federal automatic stay goes in effect. This bars creditors from all further collections activity while the case is pending.
This means that if you are currently being wage garnished by a judgment creditor, that garnishment will stop on case filing. Our office will promptly notify your payroll department so they can stop all further garnishments. Your paycheck will go back to the amount it was before the creditor started garnishing your wages. If you have domestic support obligations garnished from your check, the bankruptcy code has some exceptions to the rule that our office will discuss with you.
If a mortgage creditor has a trustee sale scheduled on your property, a bankruptcy filing stops that foreclosure sale effective the moment you file. In Arizona, you do need to file your case before the actual sale date and time. Upon filing, our office also notifies the entity handling the trustee sale so their records are immediately updated. The bankruptcy court will also send them written notification of the stay being in place. A Chapter 7 case delays that foreclosure sale for months while your case progresses and the automatic stay is in place. But if you want to keep your home, a Chapter 13 case addresses the underlying problem by stopping the foreclosure and gives you time to cure the arrearage. Alternatively, you may be eligible to have the loan modified through the court Mortgage Modification Mediation 
(MMM) program. With the loan modified, the arrearages are eliminated.
If you’ve had one or more recent bankruptcy filings within a year of filing a new case, then that will affect the automatic stay provisions upon refiling. Our office will determine whether or not any prior case affects you in a newly filed case.

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A Strategic Bankruptcy Attorney Attending to Southern Arizona

If you are being harassed by creditors or have received notices for wage garnishments or foreclosure, contacting a lawyer should be the first step to handling your struggle.
CALL TODAY (520) 777-2198

Free initial consultations provided

Meiners Law Office, PLC

4400 E Broadway Blvd.
Suite 600S
Tucson, AZ 85711
Phone: 520-777-2198
Fax: 520-202-7317
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Areas Served: Meiners Law Office, PLC, is located in Tucson, Arizona, and attends to clients in Tucson, and surrounding areas, including Benson, Bisbee, Casa Grande, Douglas, Green Valley, Marana, Nogales, Oracle, Oro Valley, Sahuarita, San Manuel, Sierra Vista, Vail, Safford, Morenci, Sells; in counties including: Pima County, Cochise County, Santa Cruz County, Pinal County, Graham County, and Greenlee County in Southern Arizona.

Disclaimer: Results of a bankruptcy filing described on this website apply to most filers; however, each client’s financial situation is unique and results are dependent on the factual and legal circumstances of each case. Our office is a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code. The information you obtain at this site is not, nor is it intended to be, legal advice. You should consult an attorney for advice regarding your individual situation. We invite you to contact us and welcome your calls, letters and electronic mail. Contacting us does not create an attorney-client relationship. Please do not send any confidential information to us until such time as an attorney-client relationship has been established.

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