Looking For A Garnishment Lawyer?
Wage garnishment happens when a court orders your employer to pay a portion of your paycheck directly to your creditor. The garnishment doesn’t stop until you pay off the debt in full. There are several actions you can take to potentially reduce or stop wage garnishment. You may be able to protect some or all of your income by filing an exemption claim. You could also file for bankruptcy in order to stop most garnishments. If you think your creditor is taking too much or not following the correct procedures, you may want to hire a civil lawsuit lawyer. Brad Stephens is a Junta, GA-based lawyer that can help you assess your wage garnishment situation and decide the best course of action, even if that means a civil suit in court. He can help you file an exemption claim or object to the garnishment in court.
Don’t let overzealous creditors garnish your wages without at least considering other options. Whether it involves filing an exemption or filing for bankruptcy, you may have several legal options to help you deal with your debt situation. Brad Stephens understands how stressful it can be to have creditors come after your wages. It can be an uncomfortable conversation to have with your employer, not to mention the financial impact of losing a portion of your paycheck. To improve your chances of keeping your wages, it’s important that you take action as soon as possible. Call (770) 334-2704 or fill out our online contact form in order to get in touch with an experienced wage garnishment lawyer today.
Brad Stephens Has Experience As A Wage Garnishment Lawyer
In order to garnish your wages, your creditor must first get a money judgment against you. This requires them to sue you in court, which gives you the opportunity to challenge the motion. If you don’t respond to the lawsuit, the court will grant your creditor a default judgment. After they obtain the judgment, they will send documents to your employer via your local sheriff. The documents will instruct your employer to withhold a portion of your wages and send them directly to the creditor.
It’s important to note that if you owe money for taxes, student loans, alimony, or child support, your creditor typically won’t have to go through the court process in order to obtain wage garnishment. Also, any income that you receive from social security, disability, retirement, child support, or alimony is typically fully exempt from garnishment by creditors.
There are state and federal limits when it comes to wage garnishment. The state of Georgia follows federal law when it comes to exemptions. The law states that creditors can garnish up to 25% of your disposable earnings. “Disposable earnings” refers to the amount left in your paycheck after your employer takes out taxes. Deductions for things like health insurance do not reduce your disposable earnings.
Experienced Lawyers Are Ready To Help.
Looking For Lawsuit Lawyers?
If a creditor is filing a civil suit against you in order to obtain a wage garnishment, you may want to contact a reliable lawyer. There’s a chance that a lawyer could help you negotiate a payment plan with your creditor without the need for a lawsuit and garnishment. Brad Stephens is a local, Junta, GA-based lawyer who assists clients in wage garnishment lawsuits.
Civil Suit Lawyers: When To Hire One
There are some situations when creditors overstep their boundaries, disregard legal procedures, and even make mistakes. If you think your creditor did something wrong during the process, or that they are taking too much of your wages, you should contact attorney Brad Stephens as soon as possible. Here are some cases when you may need a civil suit lawyer in the Junta, GA area to protect your rights and advocate for you in court.
- Your creditor is trying to garnish your wages, but they never provided written notice and an opportunity to enter a voluntary payment plan
- Your creditor did not follow proper procedure when serving you garnishment papers
- You have already paid or are currently in a payment plan with the creditor
- Another creditor is already garnishing your wages (in most cases, your wages can only be garnished by one creditor at a time)
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