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Prevent Wage Garnishment
Protect Your Employment and Avoid a Budget Disaster

If you are a Knoxville resident facing a wage garnishment, the law firm Clark & Washington can help you.  When we file your  Chapter 13 or Chapter 7 bankruptcy petition, any pending garnishment (except for child support) will stop immediately.  Any funds seized after the date of your bankruptcy filing will be returned to you.

Court Judgments Can Result in Significant Seizure of Your Income

  In most cases, wage garnishments arise from lawsuit judgments.  Judgments come from lawsuits. For example, if a credit card company filed suit against you for non-payment and you did not answer, a default judgment would issue against you.  If you were involved in litigation and lost, a judgment would be issued against you.

  Our clients sometimes report that they were not even aware of a pending lawsuit, much less a judgment.  This type of unpleasant surprise happens more often than you might think.   Sheriff’s deputies, who are responsible for serving the lawsuit, are permitted to leave the lawsuit with an adult who answers the door to your house.  We sometimes see cases where a spouse accepts service but fails to deliver the lawsuit papers to the named defendant.

  In other cases, often involving credit card debt, the cardholder agreement provides that payment disputes be referred to an out of state arbitrator, or that a specific court in another State shall be the venue for any collection lawsuit.  These venue provisions effectively mean that you have waived your right to defend a collection lawsuit in your county. 

  If your creditor possesses an out of State judgment, it can “domesticate” the judgment in your home county.  Once a judgment is domesticated here, you will be subject to wage garnishment, bank account levy and any other remedies otherwise available to a winning plaintiff here in Tennessee.

Wage Ganishment Threatens 25% of Your Net Pay and
Possibly Your Job

  Once a judgment has been issued, your creditor can ask the local sheriff’s office for   a summons for continuing garnishment.  Your employer will be served with this garnishment summons and ordered to withhold up to 25% of your after tax earnings.  In addition, your employer may charge a handling fee.

  Be aware that your employer cannot choose to ignore a summons of continuing garnishment.  If your employer does not honor the summons, your employer will become responsible for payment of the entire debt.

  As you might imagine, human resource and payroll coordinators for most employers find wage garnishments troublesome for a number of reasons.  Your employer must expend time and effort to complete the paperwork associated with calculating and processing garnishment orders.  Also, until the garnishment is paid in full or otherwise released, your employer has potential financial liability if there are errors with the paperwork.  Finally, your credibility may be called into question as a defendant found liable for a judgment in a lawsuit.  It would not be an understatement to conclude that your job might be at risk if you involve your employer in your personal financial difficulties.

  Clark & Washington can stop any pending garnishment no matter where  you fall in the process.  If you contact us before the pending lawsuit against you goes into default, we may be able to avoid a judgment from issuing.  If a judgment has been issued, the judgment creditor’s right to seize your wages terminates the instant we file your bankruptcy case.  Sometimes, money that has been seized can be returned to you or it can be used to pay non-dischargeable debt like taxes.

Protect Your Income in the Future

  Because an outstanding judgment can continue to affect you negatively, we also use the power of the Bankruptcy Court to eliminate the judgment lien altogether.  In many cases, we can file a Motion to Avoid the Judicial Lien, which results in a cancellation of the filed judgment against you.  An order avoiding the judgment actually changes your creditor’s status - the judgment will be canceled and your judgment creditor will have no more rights than any other discharged unsecured creditor.  After your bankruptcy ends, your judgment creditors will be discharged and lose any right to come after you again.


Judgments and wage garnishments function as powerful tools used by creditors to seize your money. 

When we file your bankruptcy case, your creditors are powerless to take any action and they lose their right to seize your wages. 

You can file a bankruptcy at any point in the pre-judgment or judgment process to put an end to creditor action. 

Don’t wait until your wages are at risk - call Clark & Washington as soon as you suspect any risk of wage garnishment.


Remember: if you have ANY questions, please do not hesitate to call us for a free telephone consultation at (865) 977-0121.



2003-2008 Clark & Washington, P.C.
(865) 977-0121
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
Disclaimer: This Website contains general information about various areas of bankruptcy.
It is highly recommended that persons with debtor/creditor problems seek the advice of an
attorney. The information on this Website is not intended to be legal advice and viewers
should consult with an attorney.

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