If you’re struggling with mounting debt, falling behind on your mortgage, or watching your paycheck shrink because of wage garnishment, it can feel like there’s no way out. But here’s the truth: bankruptcy stops wage garnishments, halts foreclosure proceedings, and gives you a chance to get back on track — often immediately.
At Nicole Metzger Law, we help individuals and families across Medina and Northeast Ohio use bankruptcy protection to regain control of their finances and protect what matters most. Here’s how it works.
Bankruptcy Stops Wage Garnishments and Collection Actions — Instantly
When you file for bankruptcy in Ohio, something powerful happens: the automatic stay goes into effect.
This legal protection stops most creditors from collecting on debts the moment your case is filed.
That means:
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Wage garnishments stop. Your employer will receive notice to cease withholding money from your paycheck.
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Foreclosures pause immediately. Mortgage lenders must stop all foreclosure activity while your case is active.
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Creditor lawsuits and collection calls stop. You get breathing room while your case moves through the court.
For many Ohio residents, the automatic stay provides instant relief from the financial chaos and stress that debt can bring.
How Bankruptcy Stops Wage Garnishments
If your wages are being garnished because of credit card debt, medical bills, or a judgment, bankruptcy can stop the garnishment immediately.
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In Chapter 7 bankruptcy, eligible debts can be discharged entirely — meaning the creditor can never restart the garnishment.
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In Chapter 13 bankruptcy, your debts are reorganized into an affordable repayment plan, often at a reduced rate. Garnishments stop, and you make one manageable monthly payment instead.
Either way, you’ll get your full paycheck back and start rebuilding financial stability.
How Bankruptcy Helps You Avoid (or Stop) Foreclosure
For homeowners in Medina and surrounding areas, falling behind on mortgage payments can be terrifying. Bankruptcy can help — but the right chapter depends on your goals.
Chapter 13: Save Your Home and Catch Up on Payments
Chapter 13 bankruptcy is designed for people who want to keep their home.
It allows you to:
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Stop foreclosure immediately when you file.
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Catch up on past-due payments (arrears) over three to five years.
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Keep your home while staying current on your ongoing mortgage payments.
This can be life-changing for Ohio families who just need time and structure to get back on track.
Chapter 7: Walk Away Without Owing a Deficiency Balance
If keeping your home isn’t realistic, Chapter 7 bankruptcy can protect you as you start fresh.
When you surrender your home through Chapter 7:
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The foreclosure process stops temporarily.
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You’re released from personal liability for the mortgage debt.
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The lender cannot sue you for a deficiency balance (the difference between what you owe and what the house sells for).
This means you can move forward without lingering debt or lawsuits hanging over you.
Why Local Guidance Matters
Nicole Metzger Law can help you stop wage garnishments and foreclosures immediately.
Bankruptcy law is federal, but how it’s applied varies by state — and Ohio has its own exemptions, local rules, and court procedures. Working with an experienced Ohio bankruptcy attorney ensures your case is handled correctly and your rights are fully protected.
At Nicole Metzger Law, we help clients in Medina, Akron, Cleveland, and across Northeast Ohio understand their options, stop wage garnishments, and save their homes. Whether you need to protect your paycheck, your property, or your peace of mind, we’re here to guide you every step of the way.
Ready to Take the Next Step?
You don’t have to face creditors alone — and you don’t have to lose everything you’ve worked for.
If you need to stop wage garnishments or foreclosure in Northeast Ohio, bankruptcy may be the lifeline you need.
Schedule a free consultation today to find out how filing for bankruptcy can stop creditor action and give you a fresh financial start.