Wage Garnishment Helping You Get Free From Debt

San Diego Wage Garnishment Attorneys

35+ Years Of Experience on Your Side

At Debt Relief Legal Clinic, our experienced legal team understands that facing wage garnishment can be disheartening and frustrating. That is why we are committed to using our knowledge of the law to help clients throughout the greater San Diego area fight wage garnishment so they can protect their hard-earned money. We are available to meet with you to review your finances and debt situation to determine whether you are eligible to file for bankruptcy, which will stop all wage garnishment actions against you.

Reach out to Debt Relief Legal Clinic today at (619) 639-9228 to speak to our legal professionals about what we can do to help you avoid the hardship of wage garnishment.

What Is Wage Garnishment?

Wage garnishment is a common tactic used by creditors and lenders to collect on unpaid debts. When a creditor or lender goes to court and requests to garnish your wages, it can result in several painful consequences that will impact your life and livelihood. Not only will a large chunk of your income go directly to your creditors, but it does little to actually decrease the amount owed or eliminate high-interest rates.

If you are dealing with overwhelming debt, then get in touch with Debt Relief Legal Clinic so our knowledgeable and compassionate attorneys can devise a strong legal strategy to get you on the right path before your wages are garnished by creditors and lenders.

How Much Of My Wages Can Be Garnished?

The following are the federal limits on how much of your disposable income a creditor can take:

  • Credit Card, Medical Bills, & Personal Loans: Either 25% or the amount by which your weekly income exceeds 30 times the federal minimum wage, whichever is less.
  • Child Support & Alimony: 50% if you are supporting another child or spouse and up to 60% if you are not. An additional 5% can be taken if you are more than 12 weeks late on payments.
  • Federal Student Loans: Up to 15% of your disposable income.
  • Taxes: Up to 15%. The IRS determines the garnishment amount based on standard deductions and the number of dependents you have.

How Do I Stop Wage Garnishment?

Are you worried that you won’t be able to support your family and make ends meet if your wages are garnished? If so, you should seriously consider filing for Chapter 7 or Chapter 13 bankruptcy to halt any wage garnishment orders against you. Although many people assume bankruptcy will irreparably ruin their credit rating, filing for Chapter 7 and Chapter 13 bankruptcy is often a better alternative to dealing with the financial burden of wage garnishment.

We proudly handle Chapter 7 and Chapter 13 bankruptcy cases on behalf of clients throughout San Diego and the surrounding areas, so please contact us so we can walk you through each phase of the legal process and help you take control of your debts.

Consult with our Wage Garnishment Lawyers to Discuss Your Case Today

If you are struggling to pay bills and keep falling behind on your other financial obligations, then wage garnishment will only dig a deeper hole for you to climb out of. If you want to achieve freedom from debt, then speak to our legal professionals at Debt Relief Legal Clinic so we can discuss all of your options under the law.

When you choose our law firm to represent you, we make it our top priority to put a stop to the wage garnishment and harassing collection calls from creditors. Give us a call today at (619) 639-9228 or contact us online to request a free consultation.

Why Hire Our Firm?

We Help You Find Relief from Debt
  • Certified Bankruptcy Specialist

    Attorney John C. Colwell has been recognized by the State Bar of California as one of 12 certified legal specialists in San Diego County for Bankruptcy Law.

  • Experienced

    Our attorney has over 35 years of experience and has dedicated the firm to consumer bankruptcy.

  • Bilingual

    Our legal team is bilingual and serve our clients in English and Spanish.

  • President of NACBA

    John C. Colwell has been a member of NACBA for 25 years and is currently the president.

  • Personal Approach

    We are a family-oriented business, committed to helping you get relief from debt.

  • Affordable

    We offer free consultations and take online payments for your convenience.

Attorneys Who Will Be There Every Step of the Way

Hear from Our Happy Clients

Read Our 5 Star Reviews
  • I can't say enough about how wonderful the staff and the attorneys are to work with through the process.

    “I want to recommend the Debt Relief Clinic for their wonderful service and knowledge, which you need when you're at a tough time in your life. I can't say enough about how wonderful the staff and the ...”

    - Laura M.
  • I wish I could give him more than 5 stars.

    “John Colwell is a great attorney. I had a difficult case but he was able to get it done. This has changed my life. I wish I could give him more than 5 stars.”

    - Terry D.
  • John Colwell and Daniel Wiedecker handled our bankruptcy very professionally and we are very pleased with their legal services.

    “John Colwell and Daniel Wiedecker handled our bankruptcy very professionally and we are very pleased with their legal services, attention to our questions and knowledge in their field of law. We would ...”

    - Allie F.
  • Mr. Colwell goes the extra mile for his clients! I really appreciated his time and extra time for a zoom meeting┬áduring covid-19 pandemic to answer my additional questions prior to discharge!

    “Mr. John Colwell and his team helped me get through chapter 7 without a glitch! I'm so thankful for the support I received over the past year. I had lots of life changes this past year and I knew what ...”

    - Lori Kalman Adkins
  • They were prompt and reminded me often of what the next requirements were so that I never skipped a beat.

    “Mr. Colwell and his team were awesome in assisting me through what started as a Chapter 13 and converted to a Chapter 7. They were prompt and reminded me often of what the next requirements were so ...”

    - Lisa H.
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Contact Us Today at (619) 639-9228

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