NJ Bankruptcy Law Firms

66 East Main Street, 3rd Floor
Little Falls, NJ 07424
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Stop Wage Garnishments – Bankruptcy Help

New Jersey Bankruptcy Lawyer!

With 30 Years of Proven results!
"I personally meet with You and represent You!"
"I have never Lost a Chapter 7 Bankruptcy Case"
"Experience = Results"
About Ralph A. Ferro Bankruptcy Lawyer

Stop Wage Garnishments – Bankruptcy Help

Stop Wage Garnishments

Written and Verified by Ralph A. Ferro, Jr., Esq.

Bankruptcy Help with Wage Garnishments:

If you have wage garnishments,  I can help to stop wage garnishments by filing bankruptcy.

  • When wages are garnished 90 days prior or on the 90th day of your bankruptcy filing date, these funds may be due back to the Debtor.  
  • However, the key is the actual date of the transfer.    One court held that the date of the Writ of Garnishment is the key date.  
  •  A judgment creditor obtains a prior right which cannot be defeated except by failing to obtain his/her judgment.

The date is not the date that the transfer of the debtor moneys took place but the date the Writ of Garnishment was issued.

In a case, the Writ of Garnishment was 91 day before the debtor’s bankruptcy filing.   Because the petition was filed one day too late, the debtor lost an opportunity to recoup over $6,000 in garnished wages.

Timing of filing of your Bankruptcy Petition has serious implications.   It is for this and many reasons. you need to obtain a consultation with a bankruptcy lawyer that specializes in Consumer Bankruptcy Law.

As I have mentioned before, be sure when you are seeking to hire an attorney for bankruptcy, look for Board Certification.   I am Board Certified in Consumer Bankruptcy Law by the American Board of Certification.



  • Call for a free consult with me.   
  • Do not wait. 
  • Timing of your call and the filing of your bankruptcy are important.   
  • Get expert bankruptcy legal help. 
  • I can Stop your Wage Garnishments immediately. 

                                  Bankruptcy Protection is available.

Call me Now:    Ralph A. Ferro, Jr., Esq. (201) 446-5904their