Cincinnati Wage Garnishment Lawyer

Wage Garnishment – What You Need to Know

If you’re facing wage garnishment, you’re not alone—and you do have options. Wage garnishment is a legal process where a portion of your paycheck is withheld to repay a debt. For many people, this creates financial strain, making it difficult to keep up with rent, utilities, or even groceries. At Herzner Law, we help people in Ohio understand their rights and take steps to stop or reduce garnishments through legal means, including bankruptcy.

How Wage Garnishment Works

Wage garnishment typically begins after a creditor sues you for an unpaid debt and obtains a court judgment. Once the court grants the order, your employer is legally required to withhold a portion of your earnings and send it directly to the creditor.

Common types of debts that can lead to garnishment include:

• Credit card debt
• Medical bills
• Personal loans
• Back taxes
• Child support or alimony

Federal law limits how much of your wages can be garnished, but even a small deduction can have a big impact on your monthly budget. In many cases, state laws may offer additional protections or lower limits.

How Bankruptcy Can Help

Filing for bankruptcy may stop wage garnishment immediately through what’s known as the automatic stay. This court order halts most collection actions, including garnishments, the moment your case is filed. Depending on the type of bankruptcy you file—Chapter 7 or Chapter 13—you may be able to discharge your debts or restructure them into a more manageable payment plan.

• Chapter 7 Bankruptcy: Often used for unsecured debts, it can wipe out qualifying debt completely, ending wage garnishment.

• Chapter 13 Bankruptcy: Involves a repayment plan over 3–5 years. It can stop garnishments and allow you to repay debts in a more affordable way.

Know Your Rights—And Your Options

Creditors and collection agencies must follow strict legal procedures, and in some cases, garnishments can be challenged or reduced. Our experienced bankruptcy attorneys can review your situation, explain your rights, and help you determine the best path forward.

Contact A Cincinnati Wage Garnishment Attorney For Help

Don’t let wage garnishment threaten your livelihood. Contact Herzner Law today for a free consultation and start taking back control of your financial future. Let us help to secure your legacy and protect your peace of mind – contact our office today to begin planning for your future.