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Wage Garnishments

Unfortunately, it can be quite easy to slip into massive amounts of debt, especially if you are experiencing the power of credit for the first time. When your debt escalates to very high amounts, creditors may start taking drastic action against you. One of the ways that they can recover what they are owed is by issuing wage garnishments. Wage garnishment is the process of removing money from your paycheck before it is issued to you in order to pay back outstanding debts.

Wage garnishments are completely legal – in fact, they are issued by the court system. Under Title III of the Consumer Credit Protection Act (CCPA), however, employees with wage garnishments issued against them are protected somewhat from these frightening and damaging procedures. Employees cannot be fired because of any one debt that warrants a garnishment. Garnishments must also be capped at 25% of the employee’s disposable earnings (or 50% if the money is going toward child support or alimony).

Avoiding Wage Garnishments

Clearly, wage garnishments can be quite scary. Fortunately, there are a few simple steps you can take in order to avoid ever having one issued against you:

  • Avoid overcharging items and services to your credit account
  • Pay off your credit card bills on time
  • Do not ignore notices regarding late payments

If you fail to do the above, then the creditor may take legal action against you and issue a garnishment. Of course, it may be too late for you to take the above steps if a garnishment has already been issued against you.

Contact Us

If you would like to learn more about wage garnishment and how to halt this damaging process, contact the Birmingham bankruptcy lawyers of Greenway Bankruptcy Law, LLC today by dialing (205) 324-4000.

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Greenway Bankruptcy Law, LLC
505 20th St N #1220
Birmingham, AL, 35203
Phone: (205) 324-4000
Tuscaloosa: (205) 737-3350
Gadsden: (256) 467-6650

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Greenway Bankruptcy Law, LLC All rights reserved. We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code. The following language is required pursuant to Rule 7.2, Alabama Rules of Professional Conduct. No representation is made that the quality of legal services to be performed is greater than the quality of legal services performed by other lawyers. This web site is designed for general information only. The information presented at this site should not be construed to be formal legal advice nor the formation of a lawyer/client relationship.

Greenway Bankruptcy Law, LLC 505 20th St N #1220, Birmingham, AL, 35203 | Phone Number: (205) 324-4000 |  Directions | Paula Greenway+