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Illinois Bankruptcy Attorney

If you have been threatened with wage garnishment by a credit collection agency or due to a tax lien, you have rights. The federal Fair Debt Collections Practices Act places creditors under strict regulations against making threats or following through on legal procedures or notify your employer without due process.

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Attorney Chad Hayward is ready to help you fight back. The Law Offices of Chad M. Hayward, has helped hundreds of individuals and families resolve collections issues and threats by collection agencies. Call us to schedule a free initial consultation about your debt relief options under U.S. bankruptcy laws. The day you retain us to represent you, an automatic stay of execution will be placed on all wage garnishments, tax liens, judgments and collections accounts by any private or government agency may have pending against you.

In addition to putting an automatic stop to wage garnishment and other legal actions, all creditors and collections agencies are required by law to make all further collections actions through our office. Yes! You can stop creditor harassment overnight and even sue debt collectors for violating your rights. Imagine the freedom and power of telling bill collectors to call your lawyer!

If you are already having your wages garnished because of a judgment or collection action against you, we may be able to help you stop all further withholding.

Will My Employer Find Out?

Provisions of the federal Fair Debt Collections Practices Act (FDCPA) prohibit bill collectors and creditors from notifying your employer about a delinquent debt. Nor are collection agencies allowed to contact you by phone with a collections call during your work day.

If your employer wins a judgment against you in a court action, your employer may be notified to begin wage garnishment for automatic payment into a collections account or directly to the creditor.

If a creditor has notified your employer in Chicago or elsewhere in Illinois about a delinquent bill or debt problem, talk to attorney Chad Hayward at the Law Offices of Chad M. Hayward, P.C. Depending upon the circumstances of the notification and the resulting action your employer took in response, you may be entitled to seek significant compensation for lost earnings and punitive damages, including payment for your legal fees required to hire us to represent you.

If You Have a Judgment Against You and Face Wage Garnishment

If your creditor is in the process of a court action to seek a judgment against you that may result in wage garnishment, you can stop them in their tracks. When you hire an attorney to represent you in a Chapter 7 or Chapter 13 bankruptcy action, an automatic stay (stop) is placed on all debt collection actions and legal proceedings. If a judgment has already been ruled against you for a debt owed, you can seek to eliminate the amount owed through Chapter 7 bankruptcy, or restructure the debt as part of a court-supervised repayment plan through Chapter 13. All bankruptcy proceedings will be kept confidential, and your employer will never be notified about the judgment or wage garnishment.

Upon resolution of the bankruptcy, you may seek to have the judgment removed from your record.

If you are ready for a fresh start, we are ready to help. Illinois bankruptcy attorney Chad Hayward represents clients in the Chicago metro region and communities throughout Illinois.

Reach us to schedule an appointment at any one of our local community offices by calling 312-867-3640 or toll free 844-529-2423.

Hire the right Chicago wage garnishment lawyer. You can also contact us by e-mail with a brief description of your legal problem. We look forward to helping your family get the fresh start from debt you need and deserve.