How can you stop your check from being garnished for student loans or lower the payments?

If you have a wage garnishment against you, this probably means that the lender already sued you and has a judgment. Sometimes you can file a "claim of exemption" with the court and ask the judge to lower the amount of the garnishment if you are having trouble meeting your basic needs such as food, shelter and clothing. You can also negotiate directly with the creditor or creditor's attorney Filing for Chapter 7 bankruptcy would temporarily stop the garnishment under the automatic stay, but the garnishment could resume when the bankruptcy is over.

Chapter 7 takes about 3.5 months to complete. Student loans are VERY difficult to discharge in bankruptcy. You might be eligible for a Chapter 13 bankruptcy, which is a court-ordered repayment plan of 3-5 years.

You MIGHT have a better chance getting rid of the student loan in a Chapter 13. Visit my website to read an article on how to select a qualified attorney: chs-law.com/2005/07/how-can-i-find-good-....

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