Molena, GA Bankruptcy Law Firms & Lawyers

Filing bankruptcy stops wage garnishments. Saying you did without actually filing does not stop wage garnishments. If you filed bankruptcy and you provide your employer, your creditor, and the Marshall or Sheriff who filed the Notice of Levy with proof that you filed bankruptcy, the wage garnishment will stop.

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.