{"id":3251,"date":"2021-06-18T08:09:43","date_gmt":"2021-06-18T08:09:43","guid":{"rendered":"https:\/\/hsapclaw.com\/?p=3251"},"modified":"2023-04-28T06:20:04","modified_gmt":"2023-04-28T06:20:04","slug":"faqs-about-wage-garnishments","status":"publish","type":"post","link":"https:\/\/hsapclaw.com\/faqs-about-wage-garnishments\/","title":{"rendered":"Frequently Asked Questions About Wage Garnishments"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">It is extremely stressful to deal with debt and financial problems. However, there are available debt-relief solutions that you should take into consideration such as<\/span><b> filing bankruptcy<\/b><span style=\"font-weight: 400;\">. Before filing a bankruptcy petition, it is highly recommended that you seek legal professional help from a<\/span><a href=\"https:\/\/hsapclaw.com\/\"><span style=\"font-weight: 400;\"> reliable bankruptcy attorney in Royal Oak<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This article aims to answer the following questions:<\/span><\/p>\n<p><span style=\"font-weight: 400;\">1) What is wage garnishment?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">2) When does wage garnishment occur?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">3) What can you do to stop wage garnishment?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">4) What are the types of bankruptcy that can stop <a class=\"linkilo_keyword_link  hyperlinks\" href=\"\/wage-garnishment\/\"  rel=\"dofollow\" title=\"wage garnishment\" data-linkilo-keyword-link=\"linked\">wage garnishment<\/a>?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">5) What are the exceptions when you stop a garnishment?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">6) Why is it important to consult with a bankruptcy attorney?<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_is_wage_garnishment\"><\/span><span style=\"font-weight: 400;\">What is wage garnishment?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<label for=\"ez-toc-cssicon-toggle-item-66379bd583bee\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-66379bd583bee\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/hsapclaw.com\/faqs-about-wage-garnishments\/#What_is_wage_garnishment\" title=\"What is wage garnishment?\">What is wage garnishment?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/hsapclaw.com\/faqs-about-wage-garnishments\/#When_does_wage_garnishment_occur\" title=\"When does wage garnishment occur?\">When does wage garnishment occur?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/hsapclaw.com\/faqs-about-wage-garnishments\/#What_can_you_do_to_stop_wage_garnishment\" title=\"What can you do to stop wage garnishment?\">What can you do to stop wage garnishment?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/hsapclaw.com\/faqs-about-wage-garnishments\/#What_are_the_types_of_bankruptcy_that_may_stop_garnishment\" title=\"What are the types of bankruptcy that may stop garnishment?\">What are the types of bankruptcy that may stop garnishment?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/hsapclaw.com\/faqs-about-wage-garnishments\/#What_are_the_exceptions_when_you_stop_a_garnishment\" title=\"What are the exceptions when you stop a garnishment?\">What are the exceptions when you stop a garnishment?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/hsapclaw.com\/faqs-about-wage-garnishments\/#Why_is_it_important_to_consult_with_a_bankruptcy_attorney\" title=\"Why is it important to consult with a bankruptcy attorney?\">Why is it important to consult with a bankruptcy attorney?<\/a><\/li><\/ul><\/nav><\/div>\n\n<p><span style=\"font-weight: 400;\">Garnishing of wages is a <a href=\"https:\/\/hsapclaw.com\/debt-collection-solutions\/\">debt collection<\/a> method that permits debt collectors to deduct portions of your wages. The amount withheld from your paycheck varies by scenario and is a lawful move taken to assist you in repaying your creditors.<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignright wp-image-3254 size-medium\" title=\"Frequently Asked Questions About Wage Garnishments\" src=\"https:\/\/hsapclaw.com\/wp-content\/uploads\/2021\/06\/faq-300x225.jpg\" alt=\"Frequently Asked Questions About Wage Garnishments\" width=\"300\" height=\"225\" srcset=\"https:\/\/hsapclaw.com\/wp-content\/uploads\/2021\/06\/faq-200x150.jpg 200w, https:\/\/hsapclaw.com\/wp-content\/uploads\/2021\/06\/faq-300x225.jpg 300w, https:\/\/hsapclaw.com\/wp-content\/uploads\/2021\/06\/faq-400x300.jpg 400w, https:\/\/hsapclaw.com\/wp-content\/uploads\/2021\/06\/faq-600x450.jpg 600w, https:\/\/hsapclaw.com\/wp-content\/uploads\/2021\/06\/faq.jpg 626w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"When_does_wage_garnishment_occur\"><\/span><span style=\"font-weight: 400;\">When does wage garnishment occur?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The majority of wage garnishments start with a creditor filing a lawsuit against a debtor for not being able to pay back <\/span><b>debts<\/b><span style=\"font-weight: 400;\">. If the collector&#8217;s claims prevail in court, they will be issued a judgment that will permit them to work with the individual\u2019s employer to garnish wages. Consult with our Royal Oak bankruptcy attorneys to know more about how this works.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_can_you_do_to_stop_wage_garnishment\"><\/span><span style=\"font-weight: 400;\">What can you do to stop wage garnishment?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The <\/span><b><a class=\"linkilo_keyword_link  hyperlinks\" href=\"\/wage-garnishment\/\"  rel=\"dofollow\" title=\"wage garnishment\" data-linkilo-keyword-link=\"linked\">wage garnishment<\/a><\/b><span style=\"font-weight: 400;\"> may be stopped if the creditor receives complete payment of the financial obligation, including court costs. Most debtors lack the financial means to repay their debts in full and if the creditor has gone to the trouble of obtaining a decision and garnishment, they are reluctant to receive anything less than a complete, lump-sum payment.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you are, by any chance, able to collect the means to pay off debts, it may compromise some area of your budget in which the money was initially allocated.<\/span><\/p>\n<ol>\n<li><b> Paying in full<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Late payments on other debts may harm your credit and result in unforeseen repercussions like foreclosure or car repossession. Using your retirement to repay debts may lead to future difficulties.<\/span><\/p>\n<ol start=\"2\">\n<li><b> Filing an Objection<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">If you have a legal basis to challenge the garnishment, you may be able to do so by filing an objection with the court based on the following:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The assets or funds are not subject to garnishment under state law<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You are in the midst of a bankruptcy case<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A higher priority garnishment has already been placed against you for a higher amount<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The judgment has been fully paid<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The <a class=\"linkilo_keyword_link  hyperlinks\" href=\"\/wage-garnishment\/\"  rel=\"dofollow\" title=\"wage garnishment\" data-linkilo-keyword-link=\"linked\">wage garnishment<\/a> was issued incorrectly<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">You should file an objection within 14 days of receiving the <\/span><b>writ of garnishment<\/b><span style=\"font-weight: 400;\">. If not, the periodic, non-periodic, or tax refund garnishment will occur and the creditor will collect the withheld cash.<\/span><\/p>\n<ol start=\"3\">\n<li><b> Filing for bankruptcy<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">A wage garnishment will be halted immediately if you file for bankruptcy protection under <\/span><a href=\"https:\/\/hsapclaw.com\/chapter-7-bankruptcy\/\"><span style=\"font-weight: 400;\">Chapter 7<\/span><\/a><span style=\"font-weight: 400;\"> (liquidation bankruptcy) or <\/span><a href=\"https:\/\/hsapclaw.com\/chapter-13-bankruptcy\/\"><span style=\"font-weight: 400;\">Chapter 13<\/span><\/a><span style=\"font-weight: 400;\"> (reorganization bankruptcy). It is advisable to consult with an experienced bankruptcy attorney before you file a bankruptcy petition. Royal Oaks bankruptcy attorneys will help you on how to file and help you understand bankruptcy laws.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">When you file bankruptcy, you must pass the <a class=\"linkilo_keyword_link  hyperlinks\" href=\"\/the-bankruptcy-means-test\/\"  rel=\"dofollow\" title=\"bankruptcy means test\" data-linkilo-keyword-link=\"linked\">bankruptcy means test<\/a>. Additionally, your monthly income and the types of debt that you owe (whether it is dischargeable or non-dischargeable) must also be considered. Once you have gathered all the necessary paperwork, you may now file a petition to the bankruptcy court and an <a href=\"\/automatic-stay-bankruptcy\/\">automatic stay<\/a> will be ordered.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_are_the_types_of_bankruptcy_that_may_stop_garnishment\"><\/span><span style=\"font-weight: 400;\">What are the types of bankruptcy that may stop garnishment?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ol>\n<li><b> \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 <\/b><a href=\"\/chapter-7-bankruptcy-exemptions\/\">Chapter 7 bankruptcy<\/a><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Bankruptcy Chapter 7 is a straightforward debt-reduction strategy that aims to provide immediate <a class=\"linkilo_keyword_link  hyperlinks\" href=\"\/bankruptcy-attorneys\/when-to-file-bankruptcy\/\"  rel=\"dofollow\" title=\"debt relief\" data-linkilo-keyword-link=\"linked\">debt relief<\/a>. Unsecured debts such as credit card bills, medical bills, or personal loans will be lawfully eliminated through <a href=\"https:\/\/hsapclaw.com\/8-steps-to-a-bankruptcy-chapter-7-filing\/\">filing bankruptcy<\/a>. Creditor harassments and wage garnishments will be stopped once your bankruptcy case is brought to court.<\/span><\/p>\n<ol start=\"2\">\n<li><b> \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 <a class=\"linkilo_keyword_link  hyperlinks\" href=\"\/chapter-13-bankruptcy\/\"  rel=\"dofollow\" title=\"Chapter 13 bankruptcy\" data-linkilo-keyword-link=\"linked\">Chapter 13 bankruptcy<\/a><\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">In <a href=\"https:\/\/hsapclaw.com\/filing-for-bankruptcy-what-are-its-advantages-and-disadvantages\/\">filing Chapter 13<\/a>, you may be able to get back on track by stopping the creditor\u2019s collection activities and providing appropriate repayment conditions. Seeking legal advice from bankruptcy lawyers is important for you to come up with a budget that takes into account your monthly income and debt commitments.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Your secured debt commitments and your monthly living expenses will first be taken into account. Only after certain payments have been paid in full can funds be made available for unsecured debts. You must do your best to pay these obligations throughout the debt repayment plan. Any outstanding balances are lawfully eliminated at the end of the payment plan period.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_are_the_exceptions_when_you_stop_a_garnishment\"><\/span><span style=\"font-weight: 400;\">What are the exceptions when you stop a garnishment?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Stopping wage garnishment for <a href=\"https:\/\/hsapclaw.com\/are-child-support-payments-dischargable\/\">child support<\/a> or alimony is not easy. Once it has been decided in favor of collections and a judgment has been issued, they frequently remain in place, even during a bankruptcy proceeding.\u00a0<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Why_is_it_important_to_consult_with_a_bankruptcy_attorney\"><\/span><span style=\"font-weight: 400;\">Why is it important to consult with a bankruptcy attorney?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">If you are considering a bankruptcy filing, you must first choose what type of personal bankruptcy is the best option for you. The goal is to obtain a bankruptcy discharge and eventually be able to take steps that will <a href=\"https:\/\/hsapclaw.com\/three-easy-tips-to-rebuilding-credit-after-bankruptcy\/\">rebuild your credit<\/a> report. A credible and trusted <a class=\"linkilo_keyword_link  hyperlinks\" href=\"\/federal-bankruptcy-exemption\/\"  rel=\"dofollow\" title=\"bankruptcy lawyer\" data-linkilo-keyword-link=\"linked\">bankruptcy lawyer<\/a> can assist you before and after the <\/span><b>bankruptcy process<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Have a fresh start with your finances. Call our <\/span><a href=\"https:\/\/hsapclaw.com\/contact\/\"><span style=\"font-weight: 400;\">Royal Oak bankruptcy attorneys<\/span><\/a><span style=\"font-weight: 400;\"> at Hammerschmidt Stickradt &amp; Associates for legal help and assistance.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>It is extremely stressful to deal with debt and financial problems. However, there are available debt-relief solutions that you should take into consideration such as [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":3246,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1173],"tags":[],"_links":{"self":[{"href":"https:\/\/hsapclaw.com\/wp-json\/wp\/v2\/posts\/3251"}],"collection":[{"href":"https:\/\/hsapclaw.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/hsapclaw.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/hsapclaw.com\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/hsapclaw.com\/wp-json\/wp\/v2\/comments?post=3251"}],"version-history":[{"count":9,"href":"https:\/\/hsapclaw.com\/wp-json\/wp\/v2\/posts\/3251\/revisions"}],"predecessor-version":[{"id":4132,"href":"https:\/\/hsapclaw.com\/wp-json\/wp\/v2\/posts\/3251\/revisions\/4132"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/hsapclaw.com\/wp-json\/wp\/v2\/media\/3246"}],"wp:attachment":[{"href":"https:\/\/hsapclaw.com\/wp-json\/wp\/v2\/media?parent=3251"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/hsapclaw.com\/wp-json\/wp\/v2\/categories?post=3251"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/hsapclaw.com\/wp-json\/wp\/v2\/tags?post=3251"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}