If one of your creditor’s has a judgment against you (which means the creditor sued you for nonpayment of a debt, and won), it can garnish your wages. With a wage garnishment (sometimes called a wage attachment), your employer holds back some of your wages and gives them directly to the creditor. Some creditors (like the IRS) get special treatment and can garnish your wages without a court judgment.
There are limits to how much can be garnished from your income. Often, the amount varies by state. And in some cases you may be able to raise a valid objection to a wage garnishment order.
Below you’ll find articles on wage garnishment, how it works, and how and for what reasons you can raise an objection. You can also find the specific wage garnishment laws in each of the 50 states, plus the District of Columbia.
If you re subject to a wage garnishment, what are your rights?
Creditors are limited in how much of your pay they can take. Learn more.
You may be able to protect some or all of your wages from garnishment with a state exemption.
Find out which creditors are allowed to get money directly from your paycheck — called wage garnishment.
Your employer can t fire you for one wage attachment. But if you have more than one, the law is different.
Learn about the similarities and differences between income withholding orders and wage garnishment.
Learn the basic procedures for challenging a wage garnishment.
If you provide economic support for your household, you may be able to protect more of your wages from garnishment than non-heads of household.
If a creditor is garnishing your wages, you may be able to stop the garnishment and even get some of your garnished wages back by filing bankruptcy.
Watch out for contract provisions that allow creditors to deduct past-due loan payments from your paycheck.
Find out if you can reduce or eliminate a wage garnishment if it leaves you unable to pay for food for you and your family.
A credit card companies can garnish your wages if it gets a judgment against you. Learn how to avoid this.
If you still owe money after the foreclosure of your home, can the lender garnish your wages to get the rest?
Your employer cannot pay you under the table in order to avoid a wage garnishment.
Wage garnishments and bank levies are different — learn about them and which creditors are more likely to use each type of collection action.
If your wages are being garnished, find out when the garnishment will end.
If you owe taxes to the IRS, it can garnish your wages to collect. But there are payment options for you to avoid garnishment.
Many states protect your private disability income from creditors and federal law offers some protection too.
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