If your wages are being garnished for overdue child support, you may feel like your financial situation is uncontrollable. Since child support agencies are able to take 50-65% of your paycheck, you can be left with not much to survive and keep your family afloat. Parents may sometimes be concerned about the stigma attached to wage garnishments. However, the law protects employees from unfair discrimination due to wage garnishments. An employer cannot terminate an employee’s employment due to wage garnishments, nor can an employer withhold more than the state’s maximum allowable amount.
When it comes to child support, the bottom line is this: It must be paid. Prior to having wages garnished, parents should try to work with the courts or each other to come up with a manageable payment arrangement. There is sadly no way out of your child support, but there is a way to catch up your payments and get the garnishment off your paycheck. A Missouri Chapter 13 bankruptcy can stop your wage garnishment, allow you to catch up your back child support payments with a repayment plan, and help you get back on your feet.
Child support is deemed family support and it is vital you remain paying on this obligation. Luckily, a St. Louis bankruptcy attorney can aid you to become current and remain making your payments by assisting you as you get control on the balance of your debt.
The best move to make now is to learn about your options. Before you speak to an attorney, debt collectors or sign any forms, you need to request a free copy of my Missouri bankruptcy book, “Get Out of Debt: Secrets Your Creditors Don’t Want You to Know,” to learn how much bankruptcy can really do for you.