Stop Wage Garnishment

Wage garnishment differs by state, since each state has its own debt collection laws in regards to this. The state decides how much and when your paycheck or your bank account can be garnished. However, there is a federal law that has established the minimum guidelines and it says that a person can be garnished up to 25% of what your take home pay is.

It is important for consumers to understand that they do have rights if they are going through garnishment. Companies are unable to garnish wages if they have not had a judgment, with the exception of an agreed up wage assignment that was not later revoked and a federal funded student loan. Prior to a judgment, a lawsuit has to be filed first. Even if a consumer has a lawsuit filed against them, they do have the right to defend themselves. By seeking out the expert legal counsel of the Consumer Advocacy Center, it is possible that a judgment can be avoided altogether.

If a judgment has been entered, the debt collector does have the right to seek out the assets and pay the judgment for as long as it is not paid. The assets they can seek can include your tax refunds, paid wages, money you have in the bank or valuable personal property. If you believe that you have suffered from your rights being violated by a debt collector, please reach out to us so we can get you in contact with a proficient attorney.