WAGE GARNISHMENT

2/16/2015                                                                         

Judgment creditors can garnish your wages in order to collect the judgment. Creditors of a few types of debts (back taxes, child support, and student loans) can garnish your paycheck without a judgment. In most case the maximum is 25% of your disposable income.

     Garnishments to pay child support depend on whether you are currently supporting another spouse and/or child, other than the child who is the subject of the child support order. If so, up to 50% of your disposable income (what's left after mandatory deductions) can be garnished and sent to the child's other parent. If you aren't currently supporting anyone, up to 60% of your disposable income can be garnished for child support. Child Support is non-dischargeable in bankruptcy.

    HOW DO I STOP A WAGE GARNISHMENT?  One solution is filing a chapter 7 bankruptcy. After obtaining a filed bankruptcy copy from the court, the sheriff departments as well as your payroll department are notified of the filing. This will cease all garnishments immediately.

  Affordable Legal Assistance is friendly, knowledgeable and is sensitive to your needs during this stressful time in your life. We have over 50 combined years of bankruptcy experience to guide you through this process. Our office has filed 1000’s of cases successfully in the bankruptcy court for debtors seeking debt relief. 

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