Wage garnishment - What is it and how can you stop it?

Joined: 17 Jul 2006 Posts: 1240 28942 Magic Points

Hi Sussane,

Debts are resolved in 2 ways in bankruptcy. If you file a chapter 7 bankruptcy, then your assets are sold off by the creditor or lender to get the debt amount. Whereas, when you file a chapter 13 bankruptcy, you can pay the debt through a repayment plan with the consent of the lender and the court. However, you will have to do this under the supervision of the court.

ace · Guest 0 Magic Points

will chapter 7 bankruptcy stop my wage garnishment from a creditor

Joined: 27 Jun 2006 Posts: 1307 29555 Magic Points

Hi ace

Yes, ideally a Chapter 7 should stop wage garnishment. If you file Chapter 7, it will immediately freeze any collection attempts including wage garnishment.

Wdup · Guest 0 Magic Points

I have a wage garnishment that im not sure when they're going to start deducting my pay, and i dont know for how long but they said they garnish 75% of my pay per week.. or up to 50 times the amount of minimum wage per hour. the maximum time for the garnishment that they're allowing for repay is 60 days or sooner.

I read from the earlier posts that its maximum 25% .. can someone explain to me why they're trying to take 75%.

Joined: 03 Nov 2007 Posts: 3927 10 Magic Points

They will attempt anything that they can get away with, they depend on you or your payroll department not knowing the law. What state are you from, laws vary from state to state, so if you leave that information here then someone will come along and help you out according to your state laws.

Wdup · Guest 0 Magic Points

Nevada. I hear the most is 50% from NV. should I contact the lawyer that sent me the statement and see if I can do anything about it.. or am i having to file the judgment through the court to get it reduced or what not?

SHAN · Guest 0 Magic Points

Iam through paying off my debt, but the company is still taking my money. What can i do?

Joined: 03 Nov 2007 Posts: 3927 10 Magic Points

Have you contacted the company and requested that they stop, they may have it on some automatic payment method and not know that it is still coming out.

If this is a payroll garnishment, then you need to contact your payroll department too and ask them what you should do, they may have ran into this before.

If all else fails, contact your state attorney generals office and request that they get involved to help you resolve this.

Brenda · Guest 0 Magic Points

How can I stop a wage garnishement for defaulted student loans?

precious · Guest 0 Magic Points

I live in CA The state of MO garnished my check without any notice what do i do. is there help..

Dave · Guest 0 Magic Points

Is there any way I can reduce the amount of my garnishment for late charges that occured during the time I was ill and could not payment due on time. This amounts to abount 1300.00 that was attached to the orignal balance due.

JamesEd · Guest 0 Magic Points

I could really use some help writing a sympathy letter stating the need to release my bank account from garnishment. I have sense started repaying my HOA fees to my association but the garnishment went through anyway. This puts me and my family at odds becasue all my resources are tied up through my bank. Please help ASAP

Sincerely

Jay

Joined: 03 Nov 2007 Posts: 3927 10 Magic Points

Can you stop your deposits from going into that account and get a paper check, then you would at least have money to live on until you get it all straightened out.

Hang out, I am sure that others will come along and help you out with your problem. Goodluck hope you get it all cleared up.

Joe56 · Guest 0 Magic Points

My 23 year old son defaulted on a loan. He apparently forged my signature as the co-signer. He had been notified about late or no payments but intercepted the mail and I never knew he had not paid. As a result my wages have been garnished. Is there anything I can do? I obviously don't want my son getting in trouble but the "black mark" that goes along with garnishment is killing me. I am 54 years old and have never been late with any payment.

Joe56 · Guest 0 Magic Points

My 23 year old son defaulted on a loan. He apparently forged my signature as the co-signer. He had been notified about late or no payments but intercepted the mail and I never knew he had not paid. As a result my wages have been garnished. Is there anything I can do? I obviously don't want my son getting in trouble but the "black mark" that goes along with garnishment is killing me. I am 54 years old and have never been late with any payment.

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