| Everything that is associated with the term wage | | | | work and the payroll department is ordered to withhold |
| garnishment generates a climate of fear and | | | | a portion of your wages to satisfy the outstanding |
| despondency among many especially those who live | | | | debt. |
| in states where the law authorizes creditors to | | | | Legal considerations |
| proceed with the practice. For those who live in states | | | | While it can appear arbitrary, wage garnishment is |
| which condone the practice, it can mean waking up | | | | tightly regulated. There are a few aspects of the case |
| one day to 25% of your disposable income being | | | | that must be taken care of first by the creditor before |
| withheld by your employer to satisfy a debt. While | | | | the court authorizes wages to be garnished. One of |
| taxes and child support are the most common | | | | them is for the creditor to prove that they did |
| reasons why wages are garnished, if you live in any | | | | everything in their power to try and collect the debt |
| other state other than Texas, North Carolina, South | | | | amicably and without court involvement. They must |
| Carolina and Pennsylvania, your income can be | | | | also show that the debtor was allowed ample time to |
| withheld for practically any debt as long as the court | | | | pay the debt but has either failed or refused. It is at this |
| authorizes it. | | | | time that the court then proceeds to authorize wages |
| Knowledge is key | | | | to be trimmed and withheld. |
| Wage garnishment is triggered when a creditor | | | | Debts included |
| petitions the courts against you over an outstanding | | | | We mentioned that the two most common reason |
| debt. The debt can be in the form of back taxes | | | | why wages are garnished are back taxes and child |
| owed to the IRS or any other state or local body or it | | | | support. But these are by no means the only reason |
| can be child support. While there are many other | | | | why garnishment can be effected. Student loans and |
| reasons why wages can be apportioned to pay off a | | | | outstanding medical bills can also result in garnishment. |
| creditor, these are the most predominant reasons, | | | | Personal loans in many cases can also result in the |
| taxes and child support. After the creditor has won in | | | | same if the creditor can prove that you have |
| the courts, an order is then sent to wherever you | | | | maliciously refused to pay a valid debt. |