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Wage Garnishment & Bank Levies

Get Help From a Bankruptcy Attorney in Torrance

Did you know that if you are unable to pay your debts, creditors can take money out of your paychecks and even wipe out your entire bank account? At the Law Offices of James C. Shields, we help people avoid these harsh debt collection tactics with the protections of Chapter 7 and Chapter 13 bankruptcy. Our skilled lawyers will work for you to ensure that your hard-earned money remains yours.

Stop Wage Garnishment in the South Bay

At our Torrance bankruptcy law firm, the Law Offices of James C. Shields, we help people who are facing wage garnishment. If you are in debt and a creditor receives a judgment against you, that creditor can garnish your wages by up to 25 percent of the amount over the federal minimum wage that you earn that is not otherwise exempt. For people who are already struggling with debt, this can be a devastating turn of events.

California Bank Levies – Get a Lawyer on Your Side

Another creditor action is freezing bank accounts to pay debts. To collect money from your bank account, a creditor who receives a judgment against you must obtain a Writ of Execution from the court, then go through the sheriff to enforce the levy. Unlike garnishment, there is no limit to the amount that can be taken in a bank levy. Creditors can take everything you have up to the amount you owe, plus court fees.

Fortunately, certain types of assets are protected under state and federal law. A creditor generally cannot lay claim to these funds, even if they have obtained access to your account through a bank levy. You can protect or even recover various incomes and funds by filing a claim of exemption.

With a claim of exemption, you can protect the following benefits:

  • ​Social Security
  • Veterans' benefits
  • Supplemental Security Income
  • Worker's compensation
  • Student loans
  • Unemployment

Debt collection agencies must follow specific guidelines when making a collection. If they fail to do this, you can take legal steps to protect yourself. A seasoned attorney can help you discover your options for combatting the harmful effects of a bank levy and other types of debt collection in Torrance.

Protect Yourself — Schedule Your Free Bankruptcy Consultation Today!

Filing for Chapter 7 bankruptcy or Chapter 13 bankruptcy will stop both wage garnishment and bank levies. Our Torrance bankruptcy attorneys have extensive experience using the protections of the bankruptcy code to help our clients keep the money they have. Whatever situation you are in, we can tailor a legal approach to meet your specific goals and needs.

Are you facing wage garnishment or a bank account levy? We can help you seek quick debt relief. Seek our help today by calling (888) 910-6652 or schedule your free initial consultation by going online.

  • Our Guarantee to Our Clients

    We promise to represent your best interests and keep you fully informed.

    Read Our Guarantee
  • Bankruptcy eBook

    Get a FREE eBook to become more familiar with the bankruptcy process.

    Download It Here
  • Our Video Center

    Click here to access a list of our firm's videos.

    Get More Information
  • When You're Ready To Talk

    We're ready to listen. Contact us to receive a free initial consultation.

    Request a Consultation

When You're

Ready to talk

Our firm is ready to listen. Call for a FREE case consultation.

Call Toll-Free 888.910.6652

"The Law Offices of James C. Shields is located in Torrance and proudly serves clients all throughout the South Bay including:

  • Long Beach
  • Irvine
  • Los Angeles
  • Palos Verdes Estates
  • Huntington Beach
  • Hermosa Beach
  • Redondo Beach
  • Manhattan Beach
  • Newport Beach
  • Costa Mesa
  • El Segundo
  • Rolling Hills
  • Hawthorne
  • Playa Del Rey and Culver City
Law Offices of James C. Shields - Torrance Bankruptcy & Estate Planning Attorney
Located at 21707 Hawthorne Blvd, Suite 204
Torrance, CA 90503.
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Phone: (888) 910-6652
Local Phone: (310) 626-4404

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