Arcade, GA Bankruptcy Law Firms & Lawyers

A relief of stay allows the lender to foreclose on property or otherwise move to collect the debt owed. The stay is the automatic enforcement stay granted when you file for bankruptcy.

Did you pay the local lawyer? If you did, s/he should have been able to help you on the levy. If not, s/he wouldn't care to spend more free time. A bankruptcy filing should be able to release any garnishment. If you're separated from your husband, you shouldn't need to list his pay.

You obviously meant Chapter 13 since Chapter 14 does not exist. Once you file the creditors can take no action against you or your money or property without bankruptcy court permission. That includes taking money from your account. Wells Fargo has been freezing accounts saying that they are doing to protect the bankruptcy estate and asking for permission from the trustee to unfreeze the funds. Usually the trustee will immediately tell Wells Fargo to release the funds. Wells Fargo will usually do it if the amount is over $5,000. There is a case pending challenging that practice by Wells Fargo. There is something called a "set off" where the bank claims to have a lien on the funds on deposit to pay outstanding debts to the same bank. The safest thing is not to have money in any bank to which you owe money and not to have too much in the bank accounts. You can take the money out but declare it in the petition since you must tell the truth in the bankruptcy case.