Please help, question about garnishment

Submitted by misty on Thu, 11/18/2010 - 02:47

Question about wage garnishment. I just received a letter from Daniel N. Gordon saying that they had sent a letter to my employment about wage garnishment. I am an independent contractor and get paid monthly. This company has corporate headquarters in MA. I don't know what to do, my husband just lost his job and I found out I'm pregnant and we can't afford to lose any income. Can they garnish my wages and how much? I know that in oregon it's 25% but than I am reading elsewhere that if you are an IC they can take the whole paycheck. Is that possible? What if that's all you have to live on? I'm thinking of filing for bankruptcy..I eventually want to pay off the debt but this is just too much stress. After two years they contact me again. The debt was originally for 1,988 but is now 4,000. I only get paid once a month and I'm afraid they might levy my accounts receivable until they get their full payment. It just doesn't seem right because that's my source of income. I'm devastated they always seem to do this before the holidays.