Garnishment and Repossession

Garnishment, Repossession and Bankruptcy in Memphis, Tennessee

When your creditors work to take money directly out of your wages, when they take your property away from you to help pay down your debt, you don't have to take it sitting down. You have rights and you can push back.

I'm Ben Sissman, a Memphis, Tennessee, bankruptcy attorney with more than 30 years of experience representing clients who face garnishment and repossession. I can help you overcome your debt and plot a more stable course for your financial future.

It never hurts to call and learn about your options. To schedule a free initial consultation, call 901-730-4958 or contact my office online.

Bankruptcy and Repossession

If your car has been repossessed, you can get it back by filing a Chapter 13 bankruptcy so long as it hasn't already been resold. Chapter 13 bankruptcy will allow you to restructure your payment plan to make it more manageable. The moment you file for bankruptcy, the judge issues an "automatic stay" which forbids your creditors from making any further attempts at collections, including repossession.

Stopping Wage Garnishments

Chapter 13 bankruptcy can also help you put a stop to wage garnishment. If you don't want to file for bankruptcy, you can also file a "Motion To Set Payments" with the bankruptcy court. The court will give an order setting a new payment plan that you can handle. As long as you make the new payment, the creditor can't garnish your wage. However, the creditor has the right to contest this motion, so you should have an attorney to represent you.

To schedule your free initial consultation at my office, call 901-730-4958 or contact me online today. I usually answer my own telephone and I look forward to meeting you.