Will filing for Chapter 7 Bankruptcy stop wage garnishments?

Yes, if you file for Chapter 7 Bankruptcy in South Carolina, it can stop wage garnishments. When you file for bankruptcy, an automatic stay is initiated. This prevents any creditors or debt collectors from taking any collection action against you, including wage garnishments. Once the automatic stay is invoked, the creditor will receive notice that you have filed for bankruptcy and must stop the collection process. This includes any wage garnishment that was taking place against you. The only exception to this is if the creditor has received a court order before the bankruptcy filing that grants them permission to garnish your wages. If you fail to include all of your creditors on the bankruptcy paperwork, any wage garnishments that remain in place after the bankruptcy filing will be resumed. In order to ensure this does not happen, it is important to include all of your creditors and any debt collectors on the bankruptcy paperwork in South Carolina. In conclusion, filing for Chapter 7 Bankruptcy in South Carolina will stop current wage garnishments, as long as you include all of your creditors and debt collectors on the bankruptcy paperwork.

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