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Wage Garnishment and Liens

Robert J. Adams & Associates July 22, 2020

Money is already tight. How are you going to pay your other bills when a creditor is grabbing a big chunk of every paycheck? Garnishment only creates more stress and new financial problems.

You CAN do something. Filing for bankruptcy will prevent wage garnishment or stop those creditors from taking any more of your money. It may even be possible to get back funds that were recently garnished.

Relief Is A Phone Call Away

We will explain your rights in a Complimentary consultation. Our Chicago bankruptcy attorneys can file your case quickly to halt or head off garnishment of your paycheck or liens against your bank account or assets.


Robert J. Adams & Associates serves Chicago and the surrounding communities of Cook and Lake counties. We help honest and hardworking people get relief through Chapter 7 and Chapter 13 bankruptcy. Our attorneys regularly get calls from panicked wage earners who are facing:

  • Wage garnishment — Under Illinois law, creditors can seek a court order to take up to 15 percent of your gross wages. If you earn $2,000 a month, for example, that’s $300 off the top of your paycheck. After taxes and garnishment, you would be left with net pay of only $1,200 to cover your rent, car payment, child care, groceries and other expenses.

  • Bank garnishment — As an alternative to garnishment through your employer, creditors can pursue debt repayment directly through your bank or credit union. They can lay claim to current funds in your account or against future deposits. Some funds are exempt, such as government benefits, and creditors cannot take all of your money. But they will freeze your account and squeeze every dime they can.

General Information:

Filing for bankruptcy stops creditor actions, period. Creditors cannot continue to pursue court orders for garnishments or liens. They cannot continue an existing garnishment. They cannot harass or threaten you by phone or demand payment.


Once you are under the protection of the Bankruptcy Court, you will not have to worry about garnishment. Those debts are either forgiven (Chapter 7) or restructured and paid over time (Chapter 13).

In many cases, our lawyers can file your petition the same day to immediately stop garnishment, repossession and other collection actions. Do you want relief of wage garnishments and tax liens in Chicago, Illinois and surrounding areas? Call Robert J. Adams & Associates in Chicago, IL for tax liens, wage garnishments, repossession, foreclosure defense and discuss your financial issues with our experienced debt relief and bankruptcy attorneys. We have offices located in Waukegan and Lake County, Illinois and we also help clients in surrounding areas. We have experience aiding people with bankruptcy, debt relief, foreclosures, repossessions, paycheck garnishments, collections suits, payday loans, parking tickets, license suspensions, income tax problems and much more. Call today to speak to our experienced lawyers in Chicago, Illinois and surrounding areas to get relief of tax liens and wage garnishments through Chapter 7 or Chapter 13 bankruptcy.