When you are struggling to make ends meet, the last thing you need is a wage garnishment by one of your creditors. Unless reduced by the court, a creditor that has obtained a judgment against you will be allowed to garnish 25% of your wages. If you are faced with a wage garnishment our Chandler chapter 7 attorney can help you stop garnishment. The right Chandler bankruptcy lawyer can make all the difference. The attorneys at McDonald Law Offices have been helping individuals stop garnishments for a long time. When looking for the best bankruptcy attorney to review your situation give McDonald Law Offices a call. We are here to help.

A chapter 7 bankruptcy is the most common type of bankruptcy. In chapter 7 you attempt to discharge as many debts as possible so that you can get a fresh financial start. When a chapter 7 is filed, the court will appoint a bankruptcy trustee that will review your assets to determine if you have property that is not exempt. Property that is not exempt can be sold with the proceeds being paid to your creditors. Exempt property can not be sold by the trustee. If you have nonexempt property we will discuss the Do's and Don'ts that you must be aware of regarding nonexempt property.

A chapter 13 is a reorganization in which you put together a plan that specifies how your creditors are going to be paid back. You make one payment per month to a court appointed trustee and that trustee acts as a disbursing agent and pays your creditors for you. At the end of your plan the court enters a discharge canceling the debt that has not been paid with limited exceptions. Please call today and we will explain both chapter 7 and chapter 13 in detail.