Stop Bill Collectors!

If you have creditors who file a judgment against you for debts owed to them, your wages could be docked. While the laws on wage garnishment differ from state to state, generally once creditors have a court order against you, they can take 25 per cent from each pay check. Once a creditor has filed a judgment against you, there are very few options (besides bankruptcy) available to you. Therefore, the trick is to stop a garnishment before a creditor obtains a court order.
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In general, creditors with a judgment against you can take 25% of your income, unless you owe back child support or alimony, when the state can take up to 50 percent of your disposable income. If you are in arrears, they can legally take 55 percent. And if you owe the government money: watch out. For unpaid taxes or delinquent student loans, they can take a whopping 65 percent of your disposable income. If you’ve read my general article on how to stop wage garnishments, you’ll know that once a garnishment is in place, there are very few options to stop garnishment. Some states have enacted laws to protect consumers from unfair garnishment; you might be able to stop a garnishment if you meet the requirements for that state.
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Wage garnishments are an unfortunate consequence of having a judgment entered against you in court. You may not even know of the existence of a garnishment until you get a notice in the mail informing you that your next weekly check is going to be docked. In order to stop the garnishment without filing for bankruptcy, you’re going to need to do a little research and some legwork.
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