Wage Garnishment

San Diego Wage Garnishment Relief Attorneys

Over 35 Years of Experience to Support You

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.

Understanding Wage Garnishment: What You Need to Know

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.

Federal Limits on Wage Garnishment: How Much Can Be Taken?

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.

Effective Strategies to 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.

Local Assistance for Wage Garnishment Challenges in San Diego

Living in San Diego, you know that the cost of living can be high, and unexpected financial challenges can make it even harder to stay afloat. At Debt Relief Legal Clinic, we understand the unique financial pressures faced by residents in neighborhoods like La Jolla, Pacific Beach, and Chula Vista. Whether you're dealing with medical bills or other debts, wage garnishment can be a significant burden.

Identifying the Financial Struggles of San Diego Residents

One common pain point for San Diego residents is the high cost of housing, which can put immense pressure on families. If your wages are being garnished, it can become nearly impossible to keep up with rent or mortgage payments, leading to significant stress and uncertainty. Our dedicated team is here to help you explore all available options, including filing for bankruptcy, to stop wage garnishment.

We also have a deep understanding of the local job market and recognize how wage garnishment can severely impact your ability to support your family. Whether you're working in the bustling downtown area or within the thriving tech hubs in Sorrento Valley, our legal strategies are specifically tailored to help you regain financial stability and peace of mind.

Don’t hesitate to reach out to Debt Relief Legal Clinic to discuss how we can assist you in overcoming wage garnishment and addressing other financial challenges unique to the San Diego area.

Contact Our Wage Garnishment Lawyers for a Free Consultation

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.

Frequently Asked Questions About Wage Garnishment in San Diego

Can Debt Relief Legal Clinic in San Diego help me with creditor harassment?

Yes, Debt Relief Legal Clinic in San Diego is dedicated to helping clients not only stop wage garnishment but also address harassing collection calls from creditors. Our legal team prioritizes your peace of mind and financial stability, and we are equipped to take legal action to prevent creditors from using aggressive and stressful collection tactics.

Why should I choose Debt Relief Legal Clinic in San Diego for my wage garnishment issues?

Choosing Debt Relief Legal Clinic in San Diego means you'll have a team with over 35 years of experience advocating for your financial interests. We understand the local laws and have a compassionate approach to legal counsel. Our goal is to help you navigate the complexities of wage garnishment and bankruptcy, providing personalized strategies to protect your income and achieve debt freedom.

Why Choose Debt Relief Legal Clinic?

  • 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.
  • Immediate Past President of NACBA
    John C. Colwell has been a member of NACBA for 25 years and is the Immediate Past 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.

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Hear From Our Happy Clients

At Debt Relief Legal Clinic, your satisfaction is our priority! See for yourself what our clients have to say about working with us.

    “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 attorneys are to work with through the process. They give wonderful advice and always answer any questions very quickly. I really recommend this law firm.
    - Laura M.
    “We went to DRLC and from start to finish they were our rock. They made everything seem so easy and go so smoothly.”
    Last year after my husband lost his job and we found ourselves in a bit of a financial mess. We went to DRLC and from start to finish they were our rock. They made everything seem so easy and go so smoothly. From the ladies in the office to the lawyers in the back, a special shout out to Daniel Weidecker. He was there for us, went to bat for us when there was a complication and the end result was handled exactly as they said. So if you find yourself needing to get out of debt don't hesitate and call DRLC, they are amazing.
    - Denice M.
    “It is truly a "bankruptcy miracle", and you can have one, too. I can't say enough about DRLC!”
    Unfortunately, I had to file BK 13; but luckily, I found Debt Relief Legal Clinic. It was recommended by a friend who was worried about me because I originally filed pro se (without an attorney). I can't even imagine what would have happened if I had continued pro se. (Well, actually I do know: the case would've been dismissed immediately, and I would've been screwed) But the brilliance of this team has kept my case alive for over a year now, and I can't thank them enough! It is truly a "bankruptcy miracle", and you can have one, too. I can't say enough about DRLC, but let me put it simply, You're CRAZY if you use anyone else or represent yourself! ;)
    - Nadine B.
    “They made me feel like family. I could always call them for any questions and they would help me out.”
    I'm so grateful to the Debt Relief Legal Clinic, they are very professional. They made me feel like family. I could always call them for any questions and they would help me out. The process was very easy and I felt very confident that I was in the best hands. The staff was very efficient and professional. Thank you very much to all the staff and to Dan, I could not have made it through this without you. I highly recommend Debt Relief Legal Clinic to anyone in need of their services. Thank you very much.
    - Elizabeth O.
    “We were nervous about the whole process but they put us at ease.”
    Dan and the DRLC staff are very friendly, efficient, and professional. They helped us with our chapter 7 in a quick and almost painless manner. We were nervous about the whole process but they put us at ease. I highly recommend them.
    - Jerry Q.
    “Mr. Colwell goes the extra mile for his clients! I really appreciated his time and extra time for a zoom meeting during 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 I needed to do financially and who to call. I met Mr. Colwell in 2002 when I needed support and a chapter 7. He also helped my husband with his chapter 13. I was so happy he was still in downtown SD all these years later and available to meet with me when I was ready. Mr. Colwell goes the extra mile for his clients! I really appreciated his time and extra time for a zoom mtg. during covid-19 pandemic to answer my additional questions prior to discharge! Financial Freedom is an awesome feeling! I'm looking forward to what comes next in life!! Won't be making the same mistakes. Live and learn! I recommend it! Thank you so much! Stay safe!   

    - Lori Kalman Adkins
    “Even better, he seems to honestly care about the law he practices, and the people that these laws affect.”
    I can only give a review of the half-hour I spent with Mr. Colwell, but it was a half-hour very well spent. He seems like a stand-up guy with a lot of integrity. I went into his office fully expecting to be filing bankruptcy, but instead, he talked me out of it. I was prepared to defend a hard sell, and I didn't get that at all, it was a relaxed conversation, like two people chatting over a beer. It's obvious he knows what he's talking about and is able to put the law into language that even a layperson like me can understand. Even better, he seems to honestly care about the law he practices, and the people that these laws affect. While his services weren't right for my situation, I will definitely be recommending him to anyone who might end up needing a bankruptcy lawyer.
    - Jeffrey B.
    “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.