Can bankruptcy stop garnishments? This is a critical question for individuals facing financial hardship and the prospect of wage garnishment. In this comprehensive blog post, we will explore how filing for bankruptcy can halt wage garnishments and provide much-needed relief.

We’ll delve into the intricacies of Chapter 7 and Chapter 13 bankruptcies, discussing their respective processes and impacts on stopping wage garnishments. We will address exceptions to stopping garnishments through bankruptcy filings, as not all debts are dischargeable.

Finally, we’ll analyze the benefits and drawbacks of employing bankruptcy to stop wage garnishments while exploring other potential remedies. By exploring the potential solutions, you can evaluate if bankruptcy is a suitable choice for your circumstances.

Post-Bankruptcy Discharge and Resuming Garnishments

After a successful chapter 7 or 13 bankruptcy discharge, most creditors may not garnish wages from your paycheck. However, this does not apply to non-dischargeable debts, such as child support and alimony payments. It is essential for those who have recently gone through the bankruptcy process to get expert advice when making financial choices in order to prevent any unforeseen difficulties later on. This includes making sure that all court orders and judgments related to these non-dischargeable debts are dealt with properly. Post-discharge, those filing for bankruptcy should know the potential amount that could be subject to wage garnishment from their disposable earnings. Knowing these details can help individuals prepare financially and make sure they can meet all repayment obligations post-bankruptcy.

Post-discharge, it’s crucial to identify which obligations can still be subject to garnishment and how they might be dealt with. Alternatives to filing for bankruptcy exist that may help stop wage garnishment in certain cases, such as consumer credit counseling services.

Alternatives to Bankruptcy for Stopping Wage Garnishment

In stopping wage garnishment, filing for bankruptcy isn’t the only option. Non-profit consumer credit counseling services can help you manage your financial situation and potentially prevent collection actions like wage garnishing orders. These organizations provide guidance on budgeting, managing debt, and creating a repayment plan that works with your disposable income. They can also provide educational materials to help you become better informed about making wise fiscal choices in the future. They can work with creditors to reduce or even eliminate interest rates and late fees associated with past due accounts. With their help, you may resolve your debts without having to resort to bankruptcy proceedings or other drastic measures such as wage garnishments.


Filing for bankruptcy can be a viable option to stop garnishments, but it’s important to understand the differences between Chapter 7 and 13 bankruptcies. While both types of bankruptcy will stop most garnishment proceedings, there are exceptions such as child support or alimony payments that may still require payment even after filing. Before taking the plunge into bankruptcy to put an end to your garnishments, seek legal counsel from a knowledgeable lawyer who can assess if this is the right choice for you.

Take control of your financial future and contact the Law Office of William Waldner today to find out how bankruptcy can stop garnishments. Our experienced attorneys are here to help you explore all available options for a fresh start.