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 Bankruptcy Help

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

Bankruptcy Help to Stop Wage Garnishments:


Do you have wage garnishments?    or

Have you been notified that your wages will be garnished?

I can help to stop wage garnishments by filing for bankruptcy.

  • When wages are garnished 90 days before 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 that cannot be defeated except by failing to obtain his/her judgment.

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

In a case, the Writ of Garnishment was 91 days 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 contact me immediately.   

I am a bankruptcy lawyer who specializes in Consumer Bankruptcy Law.

100% of my practice is focused on NJ 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.                                

Stop Wage Garnishments Bankruptcy Help

  • 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. 

My client’s wages were garnished and I am able to get that money back into their accounts.

Timing is important – 90 days is key – So act now and get your money back.

Wage garnishments continue until your debt is paid in full.    Stop the deductions from your paychecks.

You work hard to earn your wages – don’t let your creditors take your hard earned pay.

If you have received notice that your wages will be garnished, contact me today.

If your wages have been garnished, it is not too late to stop the wage garnishments immediately.

Clients come to me with the following situations:

  • They look at their paychecks and notice the wage garnishment – their paychecks are substantially less.


  • They receive in the mail a copy of a Motion that their wages are going to be garnished.

Either way, I will:

Stop Wage Garnishments

If money has been deducted within 90 days – I get their wages back into their hands and the Wage Garnishments STOP.

What is a Wage Garnishment?

  • It is a legal procedure in which a person’s earnings are required by court order to be withheld by an employer to pay a debt owed to a creditor.

What is your Employer Required to Do?

  • When an employer receives a wage garnishment order that was obtained by a creditor/attorney for the creditor, they are required to comply.
  • Within ten (10) days of receiving the garnishment order, your Employer must start withholding your wages (garnishing your wages) and remitting payment to the Sheriff’s Office/Court Officer.
  • Failure or refusal of your Employer to comply, could result in your employer being liable for your debt. (So, you know they will comply)
  • Your employer is powerless to stop the wage garnishments – it is beyond their control.

What Earnings Can Be Garnished?

  • All personal earnings including wages, salaries, commissions, bonuses, and income from a pension or retirement program, but does not ordinarily include tips.

Attorney to Stop Wage Garnishments Bankruptcy Help

Contact me today:   Ralph A. Ferro, Jr., Esq.       (201) 446-5904

Bankruptcy Attorney to STOP – 

Stop Wage Garnishment