Questions About Wage Garnishment

Wage garnishment is a legal procedure where a portion of your earnings are automatically deducted to pay your debt. In some states, creditors may garnish up to 25% of your disposable earnings for child support, spousal support, or other court-ordered payments. Disposable earnings are gross income minus deductions required by law, such as taxes or retirement contributions. Some debts can be garnished without your consent.
These types of debt include:

• Debts owed to federal agencies,
• Taxes Debts owed to state agencies,
• Unpaid child support Debts
• Some credit card debt

However, there are options to stop a garnishment or prevent a garnishment. In order for your wages to be garnished, the creditor must first get a court judgment. Then, the creditor must inform you of the garnishment before beginning the process to determine if you will contest the garnishment. If you do not contest the judgment, it will become permanent and your wages will be garnished. However, if you do contest it, you may be able to get a hearing. At the hearing, you may be able to stop the garnishment, and reduce how much is garnished

If you have been sued by a creditor or are concerned about your income and ability to pay back your debts, talk to a Dallas bankruptcy attorney to learn more about the options available to you.