Stop Wage Garnishment in St. Louis

Garnishment limit: 25% of disposable earnings or amount exceeding 30x federal minimum wage

Garnishment requires a court judgment (except for taxes, child support, and student loans). Once a creditor has a judgment, they can instruct your employer to withhold a portion of your wages.

1. File your petition -- The automatic stay takes effect immediately
2. Notify your employer -- Your attorney (or you) provides the case number and filing date to payroll
3. Garnishment stops -- Your employer must stop withholding within 1-2 pay periods
4. Debt discharged -- In Chapter 7, the underlying debt is eliminated. In Chapter 13, it is included in your repayment plan.

In some cases, yes. If wages were garnished within 90 days before filing, the trustee may be able to recover them as a "preference payment." This is more likely in Chapter 7 cases with a no-asset designation.