Other Practice Areas - Creditors' Rights

Creditors' Rights Lawyers

Our firm currently represents or assists clients in Idaho and Logan, Utah. Our collection attorneys can provide clients with a “one-stop-shop” for all their collection needs. In this regard, we can give debt collection matters full coverage before, during, and subsequent to litigation. Our debt collection attorneys are always involved in all aspects of a case. Our practice is organized to where debts are recovered efficiently and expeditiously. This minimizes your overall cost and maximizes satisfaction.

Swenson Law Group stands ready to represent you in any collection action you may have. Give us a call today! 

Wage Garnishment

When a creditor obtains a judgment against a debtor, the court may order wage garnishment as a means of collecting the debt. Wage garnishment is the process of deducting money from an employee’s paycheck to satisfy a debt. The amount that can be garnished depends on the state in which the employee resides and the type of debt owed.

In most states, wage garnishment for debts such as child support, alimony, and taxes is allowed without a court order. For other types of debt, such as credit card debt or medical bills, the creditor must first obtain a court order before wage garnishment can begin.

Bank Account Seizure

When a debtor falls behind on their payments, creditors may take legal action to recover the money owed. This is called bank account seizure, and it allows creditors to take funds directly from a debtor’s bank account to satisfy a debt. In most cases, bank account seizure happens after a court orders it, but in some cases, creditors may be able to seize funds without a court order.

Bank account seizure can be a difficult process for debtors, as it can leave them with insufficient funds to cover their basic living expenses. If you are facing bank account seizure, it is important to understand your rights and options so that you can protect your finances.


Property Attachment

If you are unable to pay your debts, your creditors may take legal action against you in order to get their money. This process is called “property attachment.” More often than not, the creditor will try to collect the debt through other means first, such as seizure of assets or wage garnishment. If these methods are unsuccessful, the creditor may resort to property attachment.

Property attachment is a legal process that allows a creditor to seize your property in order to pay off your debt. This process can be initiated by the creditor or by the court. If the creditor initiates the process, they must first obtain a writ of execution from the court. This writ gives the creditor permission to attach your property. Once the writ is obtained, the creditor will send a notice to you and the court, informing you that your property is about to be attached.

If the attachment process is initiated by the court, it will usually happen after you have been sued by your creditor and a judgment has been entered against you. The court will issue a writ of execution, which will be served on you and your creditor. The writ will give the creditor permission to attach your property.

Once your property has been attached, the creditor will send you a notice informing you that your property has been seized. You will then have a certain amount of time to pay off your debt or to file an objection to the attachment. If you do not take either of these actions, your property will be sold at a public auction.


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