Common Questions About Section 128

No, Section 128 is not a form of bankruptcy. It will not be reported on your credit report or to credit bureaus.

Yes, Section 128 can stop both wage garnishments and utility disconnections.

Secured loans, such as car payments or mortgages, cannot be included in Section 128 action. Section 128 is for unsecured debts only. If you need to protect your home or car, it may be best to discuss with an attorney about filing a Chapter 13 bankruptcy.