Cape May, NJ Bankruptcy Law Firms & Lawyers

If the debt was discharged, and not reaffirmed, the creditor has no right to contact you to pay it, or to sue, or anything of the sort. The only way the company could garnish your wages would be if it had a judgment entered against you. If the judgment preceded the bankruptcy filing, it should have been discharged. If it followed the bankruptcy filing (for a debt incurred before filing), then it was in violation of the automatic stay and should be void. You need to ascertain all the facts and, if this is not a legitimate garnishment, immediately demand to have it removed and to undo the judgment. The exact steps to take will depend heavily on the facts, so I really cannot be more specific at this time. This response is based on very limited information and cannot be considered specific legal advice. No attorney-client relationship is created or intended. You probably should take all the relevant papers to a local attorney to review and advise you. Perhaps a call to your bankruptcy attorney would be helpful. Hope this helps. Good luck to you.

This means that you have equity in your home and you will probably have to file a Chapter 13. The stocks are no issue as they are probably exempted out.

This cannot be addressed without seeing an attorney as to your particular circumstances. The best advice is to do nothing until you speak to an attorney.