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00:00:03 yes bankruptcy will stop garnishments in Texas that’s not all that common because it’s not legal in Texas to do garnishments but it still happens a lot especially if someone’s employer or the creditor is located outside the state of Texas so they may not know about that uh law or that rule here but uh yes it will stop that so if someone is uh getting their paycheck or their bank account zapped because of a debt once we file the case then we notify that creditor uh and uh and that will stop repossessions
00:00:46 uh yes it will stop that that’s a very important thing that primarily chapter 13 is used for if someone is at risk of having their car repossessed filing the case as soon as we do that we notify that creditor and they have to back off and even times when the car has already been repossessed then the filing of the chapter 13 case will start the process of being able to get that car back so uh yes garnishments and repossessions it stops those