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What You Need to Know About Garnishment

In the professional world, garnishment can be a daunting process. The added stress of this process can personally damage your finances. Whether it's for unpaid taxes or missed payments, garnishment can damage your financial security. In this blog, we discuss everything you need to know about garnishment and garnishment law.

What is Garnishment?

Garnishment is when a person's earnings are required to be withheld by an employer in order to pay back a monetary obligation or debt. This money can be taken directly from the paycheck of the employee. This process usually takes place when other attempts at collecting debt have failed. The most common type of garnishment is wage garnishment. A paycheck is withheld to pay debts, such as a credit card, medical bills, or a personal loan. Child support garnishment occurs when a parent fails to pay court-ordered child support. Tax garnishment occurs when the government does not receive proper payment on taxes, including federal and state taxes.

How Does Garnishment Work?

The garnishment law process begins with the creditor obtaining a court order against the person in debt. The creditor can contact the employer, which then can initiate wage garnishment. According to Kellogg Insight, the average garnishment is 10% of gross earnings. Depending on the state you live in, the percentage of disposable income withheld can vary. Reaching out to local lawyers on garnishment law can give you a better understanding of the laws and regulations in your area.

How Should You Handle Garnishment?

If you find yourself facing garnishment, you need to take action immediately. You need to take into consideration the amount you owe. Once you have determined what you owe and the creditor's information, you need to contact a professional in garnishment law. These professionals can provide you with insights into your rights and how you can negotiate a settlement. During this process, you need to make sure you are budgeting properly. Ensure you can afford rent, utilities, and groceries while accommodating the garnishment.

Facing the garnishment process can be stressful, which is why it is important to navigate the legal process properly. By working with a professional garnishment law office, you can work on regaining control of your finances. Contact Wiley & Jowers today to get started with our services. Don't wait. Contact us today to get started with our services!

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