Paying all your bills each month is difficult enough. Paying all your bills can become even more difficult when you are getting your wages garnished. When there are lawsuits filed against you and judgments rendered, it can be hard to get back up on your feet. Wages can become garnished up to 25% in Ohio. When your pay check is less and there is no overtime available, what is one to do? Many Americans living in Ohio are looking at filing bankruptcy for answers to their financial problems.

Once a judgment is rendered against you the creditor can garnish your wages, seize funds out of your bank account, and attach liens to your property. The wage garnishment is sent to your employer and comes directly out of your payroll. This means the money is already taken out of your pay before your pay check is issued or direct deposited into your bank account. Filing a Chapter 7 or Chapter 13 personal bankruptcy will immediately stop a wage garnishment, foreclosure, sheriff sale, vehicle repossession, and utility disconnection.

Speaking with an experienced Columbus Ohio Bankruptcy Lawyer would be a good idea to determine your eligibility of filing a bankruptcy and to find out how to resolve a lawsuit filed against you. The friendly law office of Ralph A. Kerns & Associates is committed to providing excellent representation, which includes carefully explaining to our clients every legal option available to them under the applicable law. We are here to help you through this difficult time and we are always available to answer your questions. For over 30 years we have helped people file for protection under the U.S. Bankruptcy Code along with exploring other avenues that may be beneficial. We understand the stress of financial worry and are here to help you through the process. Through friendly service and aggressive representation, we ensure our client's rights are protected. We never hesitate to act quickly and efficiently when time is of the essence. Call today for a free consultation. Help is one phone call away!