Learn how Wage Garnishment works.
In a nutshell, a Wage Garnishment is a court judgment that orders a portion of your wages to be diverted to settle a debt.
Wage garnishment occurs when a court orders your employer to withhold a portion of your wages and send it directly to the person you owe money to, until your debt is resolved.
The wage garnishment will remain in place until the debt is paid or otherwise resolved.
Generally, wage garnishment usually occurs when a creditor sues you for nonpayment of a debt and wins the judgment. However, in some instances, a creditor can force garnishment without a court order, such as if you owe child support or have delinquent taxes or a student loan debt.
A court order is required to garnish wages when the debtor has defaulted on a loan, stopped paying credit card bills or has run up huge medical bills.
Yes. Your wages can be garnished if you owe child support, student loans or back taxes, or if a court judgment has been entered against you.
A garnishment judgment will stay on your credit reports for up to seven years, affecting your credit score.
You can potentially stop most garnishments by filing for bankruptcy.
No. In principle, your employer cannot fire you or retaliate against you because your wages have been garnished to pay a debt. However, in general, if you have more than one wage garnishment, the protection is less.
No lawsuit or court order is required for this type of garnishment; if you're in default, your wages can be garnished.
Today, the key to dealing with Wage Garnishments is to take the time to learn all about the system, the players, the types of Wage Garnishments and their differences, and the options available. Or if you don't have the time, desire or ability to do all that, you can hire a Wage Garnishment lawyer who is on your side.
A Wage Garnishment attorney expert will can help you to review your Wage Garnishments, explore payment options and develop a customized plan to help you pay your bills.
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You can learn more about Wage Garnishment by scheduling a free consultation with a Wage Garnishment lawyer from Stiberman Law.
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