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Does a Wage Garnishment in Missouri and Illinois Ever End?

10th March 2010
By JamesBrown in Legal
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A wage garnishment is a common tactic used by creditors to collect a debt-and it is troubling hard workers all over America. Having a creditor garnish up to 25% of your paycheck (or up to 65% if the debt is child support) certainly doesn't help you get out of debt or even stay current on your other bills. Typically, the reduction in income only makes your debt become larger and, before you know it, you are in need of protection from foreclosure, credit card debt help, and more.

When does it stop? Most creditors will continue to garnish your wages until the debt has been paid in full. To get a garnishment, creditors must get a judgment against you that grants a garnishment for 60, 90, or 180 days. That does not mean, however, that your creditors stop after it expires. A creditor will often renew the garnishment if the debt has not been paid in full. If the debt has been paid off, many times a second creditor will be waiting in line and their garnishment will start after the first one ends.

If your wages are being garnished for a tax debt, you could be in a worse position. Uncle Sam isn't just any creditor. They can garnish your wages without going through the court and their garnishment has no expiration date. In addition, they can go after your bank accounts and personal property and even put a lien on any of your real estate.

"James, it doesn't seem like wage garnishments have an end at all! What can I do to protect my paycheck and continue to put food on the table for my family?"

In fact, wage garnishments can have an end-and that end can be in the near future. Your wage garnishment can be removed and your debt can stop controlling your life if you file for Missouri or Illinois bankruptcy. You can finally get a handle on your debt AND stop your creditors from taking any more action against you.

Choosing bankruptcy doesn't just mean you've got a chance at a new life by getting control of your debt; it also means that you can finally live your life free from wage garnishments, harassing creditor calls, and fear of foreclosure or repossession. Remember, doing nothing changes nothing. The ability to create a solid and secure financial future for your family is finally under your control.


Missouri Bankruptcy attorney James Brown has been working to relieve the debt of hard-working American families for over 15 years. He has dedicated his career to educating consumers about options for debt relief and has released 5 publications, including, "Get Out of Debt: Secrets Your Creditors Don't Want You to Know." You can request a free copy at

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