If my wages are being garnished due to a judgment from past credit card debt can I declare bankruptcy?

Yes.

Bankruptcy is for people to have fresh start when they are unable to pay their bills. If you are at that stage, bankruptcy gives you the opportunity to start over. But, before starting, remember to take a required course.

Yes, bankruptcy can give you a fresh start and a clean slate.

You sound like an ideal candidate for a bankruptcy case. A discharge will give you a clean slate. Contact a professional bankruptcy attorney.

The short answer is, Yes, you are allowed to file a petition for bankruptcy protection. The question is whether that is the wisest course for you. Bankruptcy allows the honest debtor to get a discharge of his debts so that he gets a fresh start instead of living forever overwhelmed by the debts. If this judgment against you is not for some intentional wrong, then likely it will be discharged in bankruptcy, along with your other ordinary debts (credit card bills, medical bills, etc.). Your total debts are not very high, from what you said, but then, neither is your income, so that is something to consider in determining what you should do. To get the right advice for your particular circumstances, you should visit a local bankruptcy attorney (many give a free consultation), taking with you proof of your earnings, your most recent tax returns, the judgment and garnishment papers, a list of your monthly expenses, your property deeds and vehicle registration papers, your most recent bank statements, and the most recent bills you have or a recent credit report. This answer is based on very limited information and cannot be considered specific legal advice. No attorney-client relationship is intended or created.

Yes, bankruptcy will stop further garnishments. They are taking the maximum from your check that they are permitted. Filing Chapter 7, if eligible will stop that and eventually discharge the judgment.

Yes talk to a bankruptcy attorney.

Yes, you may be able to discharge all debt.

Most likely you can eliminate this court judgment through a bankruptcy. If the judgment were related to a criminal offense, such as drunk driving, a barroom brawl, or some other intentional act, rather than just an everyday debt, there could be a problem eliminating it through bankruptcy.

If you meet the other bankruptcy requirements, you should be able to file. However, your debt is not that substantial and bankruptcy may not be the best option.

Assuming you are eligible for a Chapter 7 (not too much income, not too much in assets), a Chapter 7 would Discharge this debt, even if it is in the garnishment stages.

Yes, declaring bankruptcy will stop wage garnishment and can discharge unsecured debts such as credit cards. I suggest you consult with an attorney to discuss the specific details of your situation. I offer a free consultation.

Yes! A bankruptcy will stop garnishment and if you get a discharge will do away with the judgment and the underlying debt.

Yes. It's very possible that the only way to stop your garnishment would be with a bankruptcy.

Yes it should. Please understand that filing for bankruptcy is a very complicated process. It is wise to talk to an experienced bankruptcy attorney before deciding to take this important step. Most Arizona bankruptcy attorneys offer a free consultation about the basics of bankruptcy. I am attaching a link to some free videos that explain how bankruptcy works. http://www.dianedrain.com/Bankruptcy/BankruptcyQuestionnaires/BKQuestionnaireInd.htm. There is no cost for the initial discussion. Please take time to educate yourself about bankruptcy and to determine which attorney is the best to assist you in the process. Don't assume the attorney is being completely honest about their experience and capabilities. Check them out. Avoid the attorneys who advertise on TV or profess a 100% success rate in their Internet ads. It costs hundreds or thousands of dollars for these ads and someone has to pay for them - the clients. These attorneys mass produce the work and do not offer the client the hands on assistance that is necessary in a well-planned bankruptcy. Normally these firms assign all or most of the work to paralegals and the client rarely talks to an attorney. When interviewing the attorney ask them how long they have practiced bankruptcy law. Ask what percentage of their practice is focused on consumer work. Ask whether they are experienced in both chapter 7 and chapter 13 cases. Ask the attorney for references. Ask about their policy of returning phone calls. They should be committed to answering specific questions about your situation and help you understand your options. If, after talking with them you are still confused about the issues you raised, find another attorney. Check them out with the various ranking sources: such as www.AVVO.com, and the State Bar. An attorney is should be your guide through this process. They should educate you, be there to assist you in how to avoid pitfalls and help you plan for your future after bankruptcy. There are hundreds of "bankruptcy" attorneys in Arizona. Of those just a few will fit the criteria set forth above. Again, bankruptcy is a very complicated process and you want to use an attorney who will be there when you need them. My best to you.