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Question: “I am about to have wage garnishment go through. I am planning on setting up a pymt plan before the garnishment actually goes through. Once I have this payment plan in place, will I be able to claim this on a bankruptcy?”
Answer: Most definitely. Generally speaking, you can be discharged of all your debts (with some exceptions for things like student loans and certain kinds of taxes, etc.), and the fact that you voluntarily arranged a payment plan with the creditor will not remove your ability to have the debt discharged. Basically, the only kind of arrangement that will prevent the debt from being discharged is if you “reaffirm” the debt after the bankruptcy is filed.
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