Stop Wage Garnishment
Wage garnishment occurs when a creditor obtains a court order requiring your employer to withhold a portion of your paycheck to pay off a debt. This can significantly impact your ability to pay for necessities like housing, food, and utilities.
Wage Garnishment Facts
- Creditors can take up to 25% of your disposable income
- Garnishments appear on your pay stubs
- Your employer is legally required to comply with garnishment orders
- Multiple garnishments can occur simultaneously
- Certain types of income may be exempt from garnishment
How We Can Stop Your Wage Garnishment
At NationalLaw.us, we specialize in helping clients stop wage garnishments and regain control of their finances. Our experienced attorneys can:
- File emergency motions to stop ongoing garnishments
- Challenge the validity of the underlying judgment
- Negotiate settlements with creditors to stop the garnishment
- Identify and claim applicable exemptions
- Develop a comprehensive strategy to address your specific situation
- Help you recover funds that were improperly garnished
Types of Wage Garnishments We Handle
Credit Card Debt
Garnishments resulting from unpaid credit card balances, often after the account has been charged off and sold to a debt buyer.
Medical Debt
Garnishments from unpaid hospital bills, doctor's visits, or other healthcare-related expenses that have gone to collections.
Personal Loans
Garnishments from defaulted personal loans, including payday loans, installment loans, and bank loans.
Auto Deficiencies
Garnishments resulting from the remaining balance owed after a vehicle repossession and sale.
Student Loans
Garnishments for defaulted private student loans (federal student loans have different garnishment procedures).
Other Judgments
Garnishments from any other type of civil judgment, including business debts, breach of contract, and more.
The Wage Garnishment Process
Judgment Obtained
Before garnishing your wages, a creditor must first obtain a court judgment against you.
Writ of Garnishment Issued
The creditor requests a writ of garnishment from the court, which authorizes them to collect from your wages.
Employer Notified
Your employer receives the garnishment order and is legally required to withhold a portion of your wages.
Garnishment Begins
Your employer starts withholding money from your paycheck and sending it to the creditor.
Ongoing Collection
The garnishment continues until the debt is paid in full, unless you take legal action to stop it.
Don't Let Wage Garnishment Drain Your Finances
Wage garnishment can make it difficult to meet your basic needs and financial obligations. The good news is that you have legal options to stop garnishments and protect your income.
At NationalLaw.us, we've helped thousands of clients stop wage garnishments and regain control of their finances. Our experienced attorneys understand the urgency of your situation and will work quickly to provide relief.
Get Help NowFrequently Asked Questions
How quickly can you stop my wage garnishment?
In many cases, we can file emergency motions that can stop a garnishment within days. The exact timeline depends on your specific situation and the court's schedule.
Can I get back money that's already been garnished?
In some cases, yes. If the garnishment was improper or if certain exemptions should have been applied, we may be able to recover funds that were already taken.
Will my employer fire me because of a wage garnishment?
Federal law prohibits employers from firing employees because of a single wage garnishment. However, this protection may not apply if you have multiple garnishments.
What income is exempt from garnishment?
Certain types of income may be partially or fully exempt, including Social Security benefits, disability payments, child support received, and more. We can help identify which exemptions apply to your situation.