Wage garnishment in Pennsylvania takes part of your paycheck after a creditor obtains a judgment and court order. Bankruptcy can stop many garnishments through the automatic stay—but child support, some taxes, and student loans follow separate rules. Cibik Law helps Philadelphia residents compare Chapter 7 and Chapter 13.
Federal law limits the percentage of disposable earnings subject to garnishment for ordinary judgments, with different rules for family support and bankruptcy-administered plans. The exact cap depends on your income and priority debts.
Filing a case generally invokes the stay, which orders most creditors to pause collection, including many garnishments. You still need accurate income and debt information so counsel files the right chapter.
Background on stopping calls and suits appears in our article on the automatic stay. The firm homepage is philadelphiabankruptcylawyers.com.
General information only — not legal advice. Call (215) 774-3916 for a free consultation.
Federal law caps how much of disposable earnings can be garnished for ordinary judgments, with exceptions for child support, taxes, and certain other debts. The cap depends on your income and the type of debt.
Filing a bankruptcy case typically invokes the automatic stay, which stops many garnishments. Some obligations, like ongoing child support, may continue. A lawyer reviews your order and pay stubs.
Bring the garnishment order, recent pay stubs, creditor letters, and tax returns so counsel can see whether Chapter 7 or Chapter 13 is a fit.
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