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99 Fifth Avenue, Suite 8,
Ottawa, Ontario
Tel: (613) 567-6434 |
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Home
> Bankruptcy Resources
> Can I stop a wage garnishment? |
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Can I stop a wage garnishment? |
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If you are unable to pay your debts, and you are unwilling to file a consumer proposal or bankruptcy action, then you will have to take legal action to stop it. You will need the resources to go to court (lawyers cost money). A bankruptcy trustee can help with this process.
Other alternatives include:
- Paying the entire debt in a lump sum—of course, it’s unlikely that you have the money to make a lump payment but perhaps a friend or family member is willing to lend it to you. At this point, your creditor is unlikely to negotiate a monthly payment with you.
- Filing a consumer proposal—if your creditors agree to the proposal, it halts all other legal actions pertaining to your eligible debts, including wage garnishment.
- Bankruptcy—unlike a consumer proposal, your creditors don’t have to agree to your bankruptcy. As soon as you file for bankruptcy, wage garnishment stops. Once your bankruptcy is discharged, you will no longer owe money to your creditors, so they will not be able to garnishee your earnings.
IN THIS SECTION
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What is bankruptcy in Canada?
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Why did my trustee tell me to file all outstanding tax returns?
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What are my responsibilities if I go bankrupt?
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I’m declaring bankruptcy because of taxes. Is this allowed?
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Am I eligible to file for bankruptcy?
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Will I still owe my student loan after bankruptcy? |
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Will bankruptcy wipe out all my debts?
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I can’t afford to pay back my student loan and it’s been less than seven years since I left school—what are my options? |
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Will bankruptcy stop my creditors harassing me?
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How long does bankruptcy last?
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| I have filed for bankruptcy, but why am I still getting calls and letters from collection agencies? |
Can I keep my car during bankruptcy?
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Are there alternatives to bankruptcy?
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Can I keep my RRSP during bankruptcy?
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Can I avoid bankruptcy by changing my spending?
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Can I keep my home if I declare bankruptcy?
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When should I declare bankruptcy?
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Will I still be able to rent an apartment or home if I declare bankruptcy?
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Does it cost anything to declare bankruptcy?
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Can I keep a credit card during bankruptcy?
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What are the advantages of bankruptcy?
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Is it okay to use a credit card if I am thinking about bankruptcy?
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What are the disadvantages of bankruptcy?
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Can I get a checking account after bankruptcy? |
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Should I feel bad that I declared bankruptcy?
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I co-signed on a loan for someone who declared bankruptcy. What happens now?
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What is the difference between a consumer proposal and bankruptcy?
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If I’m married and I file for bankruptcy, does it affect my spouse’s credit?
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| What is the difference between a consumer proposal and a consolidation loan? |
If my spouse declares bankruptcy and I am listed on their credit cards, am I responsible for the debt?
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Is a consumer proposal a better solution than a debt management plan?
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I am divorced and my ex has declared bankruptcy. Do I still owe for debts and credit cards that I co-signed with my spouse?
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What causes bankruptcy?
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If I file for bankruptcy, will it be noted on my spouse’s credit file?
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Do I have to list all my debts when filing for bankruptcy?
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Will filing for bankruptcy affect my job situation?
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What is a bankruptcy trustee?
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Who will find out about my bankruptcy?
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Can I choose my own bankruptcy trustee?
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Can I get utility services (telephone, cable, hydro, gas, etc.) after bankruptcy?
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Does the bankruptcy trustee work for me?
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Can I keep any money if I declare bankruptcy?
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Will the trustee come to my house?
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What is surplus income?
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What is required of me during bankruptcy?
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Can I go to jail for not paying my debts?
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Why does my trustee require me to fill out a budget?
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The collection agency is threatening to take me to court: can they do that?
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How do I make a budget for my bankruptcy assessment?
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What happens if a collection agency takes me to court?
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Why does my bankruptcy trustee need a monthly financial report?
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I am behind on my debt payments; can a collection agency take my furniture, electronics, clothes, etc.?
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Why must I attend credit counselling in bankruptcy?
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I am being harassed by a collection agency: what can I do?
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Can you tell me about my debts and bankruptcy?
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Can I stop a wage garnishment?
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Are there debts that I can’t get rid of during bankruptcy?
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How do I find out if someone is bankrupt?
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What are unsecured debts?
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What is Chapter 7 bankruptcy?
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What is a secured debt?
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What is Chapter 13 bankruptcy?
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Are my tax debts forgiven in bankruptcy?
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What happens if I live in both Canada and the U.S. and declare bankruptcy?
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Are tax debts different from other debts during bankruptcy?
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