Today I want to focus on what happens if you’ve had wages garnished before the bankruptcy case. The really good news is if your wages have been garnished within the 90 days before you file bankruptcy, you can get that money back. That could help you pay your household bills or even pay your bankruptcy lawyer and other expenses in connection with your case.

Now the reason why this is a timing consideration is that 90 day period is very strictly observed. So we’re going to look at exactly how much is taken out of your paycheck during the 90 days before the bankruptcy. So we’d like to get your case filed at a time when the most money has been taken out before that 90-day period or really we’d like to file your case as soon as possible so that there’s nothing taken out before the bankruptcy.

But if you can’t arrange that, you want to get your case filed so that you can get as much money as possible back before you file the bankruptcy case in the bankruptcy case.