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What type of garnishment are you asking about - wages, bank accounts, or both?
It's a wages, but they did send paper talking about bank account information if anything should be consider exempt like child support etc.
Last questions - why are you thinking about a Chapter 13 instead of a Chapter 7?
What types of creditors might you be omitting?
I'm considering chapter 13 because I filed in December of 2003 Chapter 7. I was told that it has to be 8 years before I can file chapter 7 again. The more I owe the more I have to pay out and I don't have the money.
Yes - the debts from creditors that are left out of your Chapter 13 Bankruptcy will not be discharged. That means those creditors can continue to try to collect their debts.Unfortunately, the fact that garnishing your wages will not allow you to pay your mortgage, medicine, and insurance does not affect a creditor's right to garnish your wages.However, a debtor's wages cannot be garnished if the debtor's net take-home pay is less than $217.50 per week.
Lastly, if you file a Chapter 13 now, you can have it dismissed next year, and then file a Chapter 7 instead.I think this is what you wanted to know. If not, please let me know.Thank you!