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Garnishments, Bank Levies & Liens Attorney in St. Louis, Missouri

Discovering that your wages are going to be garnished or your bank accounts levied can be a disheartening realization. Many feel complete devastation when they realize creditors are able to take up to 25 percent of their wages. Thankfully, bankruptcy can immediately put a stop to these actions.

Creditors gain the right to garnish wages, levy a bank account and place liens on property after receiving a judgment. These judgments are good for 10 years and can be renewed every 10 years by the creditor. Filing for bankruptcy can stop almost all wage garnishments, with the exception of child support, alimony and some government actions.

As previously mentioned, a wage garnishment allows a creditor to garnish 25 percent of your wages. If an individual is considered the head of household, only 10 percent of wages can be garnished

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A bank levy, on the other hand, can be issued against a bank account and can take the whole amount of a judgment owed, assuming that amount of money is in the bank account.

Finally, a creditor can assert a lien on any real estate. This lien won’t be released unless it is fully paid off.

Missouri does provide some exemptions to these garnishments. However, you must properly claim those exemptions. If you fail to do so, you will not be allowed to keep any money in your accounts.

If you are struggling to make ends meet and your wages have been garnished, your bank accounts levied or you have a lien placed on your house, you need a bankruptcy attorney who knows Missouri bankruptcy law. These actions can be immediately halted. Call the AKS Law Firm today for your free case evaluation. We can help you regain your financial footing.