Reliable Wage Garnishment Defense Attorney in Piscataway, NJ

Relief from aggressive post-judgment collections

When money is tight, you have to prioritize your spending to meet your family’s most pressing needs. However, aggressive collection tactics, such as wage garnishment, prevent you from having any say in how to spend your take-home pay. For more than 14 years, the Law Office of Michael P. Otto has helped workers in and around Piscataway obtain relief from wage garnishment and other extreme collection tactics as they struggle to recover from financial hardship. Residents of Middlesex, Union, Somerset and Morris counties rely on our firm for legal assistance that is:

  • Ethical — Too many “debt relief” services put clients in a worse situation than when they started. We always look out for your best interests.
  • Compassionate — We know the stress you’re under as you try to provide for your loved ones in tough financial times.
  • Dedicated — Fighting for the underdog against large banks and credit companies takes resolve and determination, which we’ve demonstrated throughout our firm’s existence.
  • Experienced — Our “time in the trenches” has given us insight into tactics and procedures that work to our clients’ advantage.

How post-judgment wage garnishment works in New Jersey

If you’re behind in payments, to creditors you can ignore their letters, and caller ID can help you skip their calls. However, you can’t dodge your creditors forever. If you owe on secured loans, such as a mortgage or an automobile, your lender can move to foreclose on your home or hire a repossession company to seize your vehicle. With unsecured loans, such as credit card debt, your creditors must go to court and obtain a judgment affirming the amount you owe. After that, they can ask the court to order your employer to garnish your wages. If the court approves the proposed order, your employer may withhold up to 25 percent of your take-home pay and send it directly to your creditor until your debt is satisfied.

How to stop wage garnishment in Piscataway

If you’ve allowed a wage garnishment to occur simply because you didn’t know how to stop it, a capable debt management attorney might still be able to negotiate a payment schedule that you and your lender can live with. Lenders resort to wage garnishment because they believe it’s the only way they’re going to get paid. They may be willing to accept an alternative. Another alternative is to file for consumer bankruptcy, under Chapter 7 or Chapter 13. Our Piscataway law firm can evaluate your finances and see if bankruptcy is your best option. Filing for bankruptcy triggers an “automatic stay,” which prevents your creditors from continuing collection efforts against you. If the wage garnishment has created additional financial stress that makes it more difficult to care for your family, consult a qualified Piscataway bankruptcy lawyer at once.

Act today to stop post-judgment wage garnishments

The Law Office of Michael P. Otto gets relief for workers facing wage garnishment in Middlesex, Union, Somerset and Morris counties. Mr. Otto is available in the evening and on weekends when necessary. Call 732-819-7000 or contact us online to arrange your free consultation.