Stop wage garnishment in Nevada
When your family is already struggling just to barely scrape by, wage garnishment can make keeping up with your debts even more challenging. Wage garnishment laws allow a creditor to legally bypass you and take money directly from your paycheck. Bringing home a smaller paycheck can make it impossible for your family to make it through the month.
Get that garnishment off your check! Call or text DebtStoppers today at 725-373-5900 to schedule a no-obligation case evaluation session with one of our skilled Nevada lawyers. Our experienced legal team has helped thousands of families avoid garnishment, foreclosure, and repossession.
When Can My Wages Be Garnished?
Under Nevada law, most creditors will need to get a court judgment against you to garnish your wages. However, certain creditors can garnish your wages without setting foot in a courtroom.
Creditors for the following debt categories can pursue garnishment without a court order:
- Child support
- Defaulted student loan debt
- Unpaid income taxes
Through garnishment, creditors can require your employer to deduct money from your paycheck until your debt is paid. Neither you and nor your employer can object.
Nevada Wage Garnishments Limits
Federal laws limit how much of your earnings a creditor can garnish. In Nevada, the state law requires even stricter limits. By statute, the maximum amount that can be deducted from your paycheck is the lesser of :
- 25% of your disposable income
- The amount your weekly disposable income exceeds 50 times the Federal minimum wage
Even with limitations in place, when you're already buried in debt, even a small amount of wage loss can make it nearly impossible to cover your daily expenses, let alone repay any of your other debts.
How To Stop Wage Garnishment in Nevada
Your best option in Nevada for stopping wage garnishment for good is to file for bankruptcy. The moment you or your lawyer submits a petition, the court will issue an automatic stay that orders your creditors to stop garnishing your wages.
The automatic stay also prohibits:
- Collection calls
But the benefits of bankruptcy don’t stop there. On top of temporarily stopping paycheck deductions, bankruptcy provides comprehensive debt relief. With Chapter 7 bankruptcy, you can eliminate most of your unsecured debts, such as medical bills and credit card debts. While Nevada law technically allows a court-appointed trustee to liquidate some of your assets to repay creditors, this rarely happens.
Another option is Chapter 13 bankruptcy, which lets you repay about 10% of your total debt through a 3-to-5-year affordable repayment plan. Your debts will be restructured into one reasonable payment a month, and you’ll get to keep everything you own (as long as you stick to the payment schedule!)
If a creditor is garnishing your check, you have options. Filing for bankruptcy can stop the garnishment, wipe out your debts, and give you a fresh start. Call or text DebtStoppers today at 725-373-5900 to request a free debt relief consultation with one of our knowledgeable Nevada attorneys. Let our team of legal professionals help you take back control of your paycheck.
Are you tired of creditors taking money from your pocket? Call or text DebtStoppers in Las Vegas, Nevada, today at 725-373-5900 to keep your hard-earned paycheck.