{"id":436,"date":"2012-10-17T17:30:53","date_gmt":"2012-10-17T17:30:53","guid":{"rendered":"https:\/\/mn-bankruptcy.com\/blog\/?p=436"},"modified":"2012-10-17T17:30:53","modified_gmt":"2012-10-17T17:30:53","slug":"garnishment-money-refunded-by-bill-collecting-lawyer-after-bankruptcy-filing","status":"publish","type":"post","link":"https:\/\/mn-bankruptcy.com\/blog\/garnishment-money-refunded-by-bill-collecting-lawyer-after-bankruptcy-filing\/","title":{"rendered":"Garnishment Money Refunded by Bill Collecting Lawyer after Bankruptcy Filing"},"content":{"rendered":"

I just love when this happens.\u00a0 I came in to the office this morning, checked the mail box, and here’s letter from one of the big bill collecting law firms.\u00a0 Often those \"\"<\/a>letters can be some kind of bad news, but today the letter contained a check for over $1000 for one of my clients.\u00a0 This was a refund of the money that they garnished from my client’s pay check in the 90 days before we filed the bankruptcy.<\/p>\n

So you might wonder how this can be.\u00a0 After all, once a bill collector takes your money isn’t is just gone?\u00a0 Most of the time it really is just gone, forever.\u00a0 An exception to the rule, however, can be money that was garnished or seized within 90 days before the filing either of a Chapter 7 or a Chapter 13 bankruptcy.\u00a0 The window for getting the money back is a pretty small one.\u00a0 It’s necessary to have all the following before any of the money can come back:<\/p>\n