Little Rock Wage Garnishment Attorneys

When financial troubles lead to wage garnishment, it can feel like your world is falling apart. At WH Law, we get how difficult and worrying wage garnishments can be. Our team has helped dozens of people work through cases like yours.

WH Law will make things clear and fight like hell for your rights. Our team listens, understands, and treats you like a human. No jargon, no confusion — we just give you straight-up support and expert legal help.

We’re ready. Call us now, get a free consultation, and you won’t need to worry about what’s next. By working with an experienced wage garnishment law firm, Little Rock’s community can enjoy immediate debt relief. We’ll work together to get you back on track.

What is Wage Garnishment?

Simply put, wage garnishment is when a certain party is legally required to withhold a part of your wage from you and send it to another party that you owe a debt.

Usually, it means your employer withholds a portion of your paycheck. The money is then sent to creditors or other parties to pay off fines, loans, and other forms of debt.

There are other forms of garnishment you may encounter as well. These include:

• Bank Account Garnishment – With the court’s permission, creditors can collect the amount you owe directly from your bank account. This involves the bank freezing the exact amount of funds in your account.
• Property/Asset Garnishment – By court order, creditors can also seize and sell your real estate or personal property and sell it in order to cover your debt.
• Tax Refund Garnishment – For back taxes, child support, and certain other debts, agencies like the IRS can simply take funds from your tax refund to pay back your debt.

Regardless of what type of garnishment you face, contact WH Law. With a team of seasoned wage garnishment lawyers, Little Rock residents like you can enjoy debt relief and a good bit of stress relief, too.

The Wage Garnishment Process

The whole issue begins with a loan or other type of debt you have trouble paying. The party you’re in debt to may give you a grace period.

Once it’s clear that you’ve missed enough payments, they can reach out and get a court order to perform garnishments on your wages, your bank account, and so on.

There is one exception, though: if you owe the IRS overdue and unpaid taxes, they can immediately garnish your wages without going to court.

Once the party you’re in debt to receives the court order, you should receive official notification of your garnishment. It should have all the details explaining what you owe, who is garnishing your wages and other assets, as well as how you can respond to the garnishment.

If you don’t respond, you’ll have to deal with a portion of your wages being taken to pay your debt until it is fully paid off.

But with WH Law, a tough-as-nails wage garnishment law firm, Little Rock natives can rest easy. We won’t just respond — we’ll fight to help you in every way we can.

How Wage Garnishment Works in Arkansas

Wage garnishment is handled differently from state to state. For those living in Little Rock, you may deal with wage garnishment based on either federal law or Arkansas law, depending on the case.

Generally, under federal law, creditors can take up to 25% of your weekly disposable income or the amount above 30 times the current federal minimum wage. The decision is determined by whichever amount is greater.

So, for a clearer idea, if your weekly income after taxes is $500, you’ll have $125 garnished from your paycheck. Or, if your income is $300, and the weekly income at minimum wage is $217.50, then they will take the difference — $82.50.

Arkansas law does provide exemptions for laborers and mechanics, removing 60 days’ worth of their income from garnishment. After that period, $25 of their weekly income can also be exempt.

To get the best outcome through relentless wage garnishment defense, Little Rock locals can count on WH Law.

How Our Little Rock Wage Garnishment Attorneys Can Help

Having a tough time with finances is already frustrating enough. A wage garnishment on your paycheck can only make things more complicated.

However, with the help of our wage garnishment lawyers, Little Rock families and individuals can rest assured. Here are some of the things we can do to help you in a wage garnishment case:

Negotiate with Creditors to Avoid or Reduce Garnishments

Garnishments are often a last resort. One of our lawyers may be able to speak with your creditor and work out a payment plan or resolve the issue with a lump-sum payment. Keep in mind that this may not always work, but it’s a possible way to resolve the case.

Lower the Amount a Garnishment Will Withhold

If a wage garnishment appears to be above federal and state limits, we’ll fight to enforce those limits on your behalf. We’ll ensure the court and your creditors garnish the correct amount from your paycheck, which can make all the difference.

Fight an Unfair Wage Garnishment for You

There are cases when a wage garnishment is invalid or simply doesn’t belong to you. In that situation, an attorney from WH Law can file a lawsuit to challenge the garnishment order and protect you from creditors unfairly taking wages.

Petition for an Exemption from Wage Garnishment

With the help of reliable Little Rock wage garnishment attorneys, you can reduce garnishment payments through certain exemptions. For example, by ensuring that income from child support and Social Security benefits are exempt, the WH Law can ease the burden of garnishment.

Guide You Through Filing Bankruptcy

We can also help guide you through filing for bankruptcy, either Chapter 13 or 7, to avoid wage garnishment. In both cases, an automatic stay is made once you file, stopping any further debt collections, including wage garnishment.

Through Chapter 7 bankruptcy, you can permanently avoid wage garnishments, but you may have to sell off some of your assets.

Filing Chapter 13 bankruptcy allows you to keep your property and repay your debt through a structured payment plan.

To stop wage garnishment, Little Rock citizens can turn to WH Law. We help everyday workers keep their finances afloat by helping them through garnishment cases and debt-relieving bankruptcy, too.

Let WH Law Help You Stop Wage Garnishment | Little Rock, AR

Garnishments on your income can cause huge issues as you work hard to pay back your debt. To find a dependable wage garnishment defense, Little Rock, AR, residents should look to WH Law. Our experienced debt collection and bankruptcy law attorneys will wipe the floor with any case you bring us. Call us up and schedule a free consultation today.