341 Hearing – What Is It?:
Basics on Surrendering a Car:
Car Repossession Timeline and Surrendering Timeline:
Chapter 13 Bankruptcy Basics:
Chapter 13 – Keeping Cars:
Chapter 13 – Keeping Homes:
Chapter 13 – Taxes Dischargability/ Dealing with Taxes:
Chapter 7 & Chapter 13 Differences:
Chapter 7 Bankruptcy Basics:
Chapter 7 – Taxes Dischargability:
Child Support – Treatment in Chapter 7 and Treatment in Chapter 13:
Confirmation Hearing:
Consultations - The Basics:
Credit Reports:
Creditor Harassment and Resources:
Do I Need an Attorney?:
Exemption Limits:
Foreclosure Timeline:
Garnishments – How They Work:
How does Bankruptcy & Debt Consolidation Differ?:
How Long Until Court?:
How Long until I can File
Keeping Cars – Chapter 7:
Keeping Homes – Chapter 7:
Preparing for Consultations:
Reaffirmation Agreement Basics:
Redemption:
Should I File a Chapter 7 or Chapter 13?:
Student Loans:
The Basics for Surrendering a Home:
This page has a pdf attached:
Timeline for a Chapter 13 Bankruptcy:
Timeline for a Chapter 7 Bankruptcy:
What are Priority Debts? :
What are Un-secured Debts?:
What can be done about Creditor Harassment?:
What can be done with an ARM (Adjustable Rate Mortgage)?:
What Debts Cannot be Discharged by Bankruptcy?:
What Happens to Garnishments? :
What Happens to Judgments?:
What is a Discharge:
What is a Trustee
What Property Can I Keep?:
Where do Bankruptcy Hearings Take Place:
“Automatic Stay” Order:

What Happens to Garnishments?

Fortunately, Texas is one of the rare states in which garnishments of your pay checks do not exist - they are not allowed. Once your check inters your bank account, it is another story entirely. When a bankruptcy is filed, regardless of the chapter, the courts impose an "Automatic Stay" Order. This Federal order makes it illegal for a creditor to proceed with any collection activities against the filer. If a garnishment seizure of monies is pending, then it cannot been be enforced forced after filing. If a continuing money or property seizure the garnishment is already in effect, then it must cease as of the date of filing. Monies seized in error after the bankruptcy filing (therefore in violation of the automatic stay) must be returned to the debtor.