Protecting Your Hard-Earned Income in Fullerton, Brea, La Habra & the Surrounding Areas
If your paycheck is being garnished or you're worried it soon will be, you're not alone—and you’re not powerless. At Law Office of Andrew S. Cho, we help people across Anaheim and surrounding areas stop wage garnishment, regain control of their income, and explore real solutions to their debt. Led by Korean-American attorney Andrew S. Cho, our firm brings over 27 years of legal experience and deep ties to the local community, including many Korean families who turn to us for culturally sensitive, judgment-free support.
Wage garnishment can be financially devastating, especially if you’re already struggling to keep up with everyday expenses. We’re here to step in, explain your rights, and help you take immediate action.
Call (714) 384-7633 or complete our online form for a free consultation with an Anaheim wage garnishment attorney who can help protect your paycheck.
What Is Wage Garnishment and When Does It Start?
Wage garnishment is a legal process where a creditor takes part of your paycheck to collect on unpaid debts. This usually happens after a creditor wins a court judgment against you. Once they get that judgment, your employer is legally required to withhold a portion of your wages and send it directly to the creditor.
Most people don't see it coming until it’s already in motion. You may receive notice from your employer, or your paycheck suddenly looks smaller with little explanation. It’s a humiliating, stressful situation—and it can push people who are already struggling into even deeper financial trouble.
We help you understand what’s happening and what can be done to stop it. From the moment you reach out, we act quickly to evaluate your situation and walk you through your legal options for relief. Whether that means filing for Chapter 7 bankruptcy or negotiating a resolution with creditors, we tailor our strategy to protect your income and give you breathing room.
Wage garnishment can happen for different types of debt. Knowing what triggered it helps us decide how to respond and what relief options are available.
Common sources of wage garnishment include:
Credit card judgments
Medical debt
Personal loans
Old utility bills
Unpaid rent or lease balances
Court-ordered judgments from lawsuits
Regardless of the source, wage garnishment is a serious issue that needs immediate attention. The sooner you contact an attorney, the more control you’ll have over the outcome.
How We Help Stop Garnishments and Reclaim Your Paycheck
At Law Office of Andrew S. Cho, we’ve helped thousands of clients facing garnishment, often stepping in just in time to prevent further damage. We know what’s at stake—not just your income, but your stability, your peace of mind, and your ability to care for your family. We take that seriously.
Here are a few effective ways to address wage garnishment and their benefits:
File for chapter 7 bankruptcy – Filing for Chapter 7 bankruptcy triggers an automatic stay, which immediately halts wage garnishment, creditor harassment, and other collection efforts.
Negotiate with creditors – In some cases, we can work directly with creditors to settle debts for less than what you owe, potentially stopping garnishment altogether.
Challenge the garnishment order – If the garnishment is based on an invalid debt or improper procedures, we can challenge it in court on your behalf.
Seek exemptions – Certain portions of your income may be protected from garnishment under state or federal law. We’ll help you identify and claim these exemptions.
Each option has its own requirements and potential outcomes, and we’ll take the time to explain everything clearly so you can make an informed decision.
Don’t Let Creditors Take the First Cut
Wage garnishment can make an already difficult situation worse, but it’s not too late to do something about it. We’ll help you understand your rights and take meaningful action—fast.
