Having your wages garnished can be a traumatic experience. Many people
can’t afford to lose even a fraction of the money they earn, and
learning that your paycheck will be short or your bank accounts have been
emptied can be a terrifying experience. If your wages have been garnished,
don’t panic. You may be able to reduce or remove the garnishment
with some experienced legal help.
The first thing that you should do if your wages have been garnished is
review any paperwork that you received. You may have received a copy of
the judgment that allows the creditor to garnish your wages. Review the
judgment, make sure you recognize the creditor and the debt, and check
to make sure the total amount owed is correct.
If any of the information is incorrect, or if you are unsure of why your
wages are being garnished, you should speak with a debt defense attorney
immediately. An attorney can verify the debt and ensure that you are legally
obligated to pay what the wage garnishment says that you owe.
In addition, an attorney may be able to reduce the amount of money that
the creditor can take from your paycheck. Both state and federal law put
limits on the amount of money that a creditor can take so that the person
being garnished is left with enough income to survive.
For instance, state and federal law prohibits creditors from taking more
than 25% of a person’s wages in most cases. In addition, people
who qualify as heads of household may be able to protect up to $750 per
week in income. An attorney can help you determine if your garnishment
can be reduced under these standards.
Once you have had an attorney evaluate your wage garnishment, you are left
with several options. You may be able to make a lump sum payment to the
creditor to avoid the wage garnishment. Alternatively, you may be able
to work out an alternative payment arrangement that avoids the garnishment
directly on your paycheck. Finally, if you cannot remove or reduce the
garnishment and the missing money is seriously affecting your ability
to survive financially, you may need to file for bankruptcy to remove
If you are facing a wage garnishment order, Loan Lawyers can help you evaluate
your options. If possible, we can help you remove or reduce your wage
garnishment. Alternatively, we can also help you address issues with your
debt before it reaches the wage garnishment stage.
To schedule a free and confidential consultation, contact Loan Lawyers
today by calling (844) FIGHT-13 (344-4813).