Stop Wage Garnishment & Debt Collector Harassment in Massachusetts

If creditors are taking part of your paycheck or blowing up your phone, it’s time to take control. We help people across Southeastern Massachusetts stop wage garnishment, fight back against harassment, and get on the road to better credit.

What Is Wage Garnishment?

When Creditors Take Money Straight From Your Paycheck


Wage garnishment happens after a creditor sues you, wins a judgment, and gets permission from the court to collect directly from your paycheck. You might not even know it’s happening until you see your paystub.

We can help:


  • Stop garnishment through bankruptcy
  • Prevent future garnishments
  • Deal with court judgments before they get worse
  • Possibly recover wrongfully garnished wages

The sooner we act, the more options you’ll have.

Debt Collector Harassment

 They’re Not Allowed to Threaten You



 The Fair Debt Collection Practices Act (FDCPA) protects you from abusive or deceptive collection tactics. That means no:

  • Threats of arrest

  • Calling your job after being told not to

  • Calling late at night or before 8am
  • Telling others about your debt

  • Lying about what you owe

We can send official notices to stop the contact—and take legal action if they break the rules.

Bankruptcy Can Stop It All

Rebuild Starts Right Away



Bankruptcy doesn’t ruin your credit forever. In fact, for many people, it’s the first step to real financial recovery. We’ll guide you through:

  • Checking credit reports for errors

  • Building new lines of credit safely
  • Knowing when to borrow again (and when not to)

  • Monitoring your score & progress

We don’t just file your case and forget you—we’ll stick around to help you rebuild.

Credit Repair After Filing

Rebuild Starts Right Away



Bankruptcy doesn’t ruin your credit forever. In fact, for many people, it’s the first step to real financial recovery. We’ll guide you through:

A black arrow pointing to the right on a white background.
Checking credit reports for errors
A black arrow pointing to the right on a white background.
Building new lines of credit safely
A black arrow pointing to the right on a white background.
Knowing when to borrow again (and when not to)
A black arrow pointing to the right on a white background.
Monitoring your score & progress

We don’t just file your case and forget you—we’ll stick around to help you rebuild.

Who We Help

 Serving clients across:



  • New Bedford, Fall River, Taunton & Dartmouth

  • Brockton, Middleborough & Wareham

  • Mashpee, Hyannis & the Cape

  • Norfolk & Suffolk Counties, including Boston

Whether you’re one paycheck away from disaster—or already missing part of it—we’re here.

Common Questions

FAQs About Wage Garnishment, Credit & Collections

  • How much can they take from my paycheck?

    In Massachusetts, creditors can take up to 15% of your disposable income—sometimes more if you owe taxes or child support.

  • Can I stop wage garnishment without filing bankruptcy?

    Sometimes, through negotiation or hardship claims. But filing often provides the strongest protection.

  • Can I get garnished wages back?

    Maybe. If we file your case soon after the garnishment, some or all may be recoverable.

  • Can I sue a debt collector for harassment?

    Yes. If they violate the FDCPA, you may be entitled to compensation. We’ll review the behavior and advise you.


  • How long after bankruptcy can I rebuild my credit?

    You can start immediately. Some clients qualify for car loans within months and see score increases within a year.

Don’t Wait Until You Miss Another Paycheck

Let’s Stop the Garnishment & Reset Your Finances

You work hard. Don’t let creditors take your future. Call or message today for a free consultation.


Call: 774-205-1984
Or use our Contact Form →