Wage Garnishment

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Wage garnishment is a legal process of deducting money from your paycheck. Your employer receives a notice instructing them to withhold a certain percentage of your wage.

It is legal for the state or federal agencies to garnish your wages. Private companies can, too, provided they have a court order. However, wage assignment clauses in consumer contracts are restricted.

How Are Disposable Earnings Calculated For Garnishment Purposes?

Typically, disposable earnings refer to what's left after local, state, and federal taxes, unemployment insurance, and social security. Unfortunately, any deductions not mandated by law, such as health insurance, grocery bills, gas bills, and others, are not deducted from the gross earnings. For these and other reasons, individuals who have their wages garnished find it very difficult to pay for even essential life necessaries.

Can I Get Terminated For This?

Probably not, at least not the first time it happens to you. Although employees are often embarrassed that their employers are now aware of their situation, they don't have to worry about being fired.

How Can Prevent Wage Garnishment?

Wage garnishment is a result of a failure or neglect to pay a debt, most commonly child support, student loans, taxes, and unpaid court fines. Some warning signs that a debt may be at risk for wage garnishment include very late payments, multiple attempts from the creditor to collect on the debt, multiple returned checks, and more.

A private creditor can't garnish your wages without first having received a court order or judgment against you. Before you have a judgment against you, you are served first with a summon and complaint. Whatever you do, do not ignore or overlook the court date! Failure to file a timely response and show up on the day of your court date can result in a default judgment against you.

Ordinarily, wage garnishment continues until you pay the debt in full. However, in some cases, you may be able to have your garnishment released or reduced. If you feel like your debt may be going for wage garnishment or served with a summons, please contact Tax Experts For America immediately! We have the best team who are skilled at wage garnishment services, negotiating large reductions in debt without bankruptcy, guaranteed. Our professionals will be happy to explain to you the options that suit you best. We also offer the most innovative Levy Tax & Consulting Services for both individual and business clients.

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