Wage garnishment is a legal tool for collecting debts from individuals who have failed to pay their obligations as agreed. It's a scary prospect for most workers, who risk losing up to 25% of their wages.

Wage Garnishment Definition

To start with, wage garnishment is a legal process by which a creditor obtains an order from the court to collect a debt owed by an individual. This order allows the creditor to get a specific portion of an individual's wages or salary until the debt is paid off.

How Wage Garnishment Works

Once the court orders wage garnishment, the creditor notifies an individual's employer. The employer must then withhold a certain percentage of the individual's wages or salary each paycheck until the debt is paid off. The percentage depends on specific state laws and the type of debt involved. It could range from 10% to 25% of the individual's disposable income.

Wage Garnishment Exemptions

There are, however, some exemptions to wage garnishment. These apply to specific situations such as child support, unpaid taxes, and student loan debts. Federal and state laws limit the amount that creditors can claim for these debts; in some cases, they may not be able to garnish wages.

How to Stop Wage Garnishment

If you're faced with wage garnishment, there are several ways to stop it. One solution could be to negotiate with the creditor to set up a repayment plan or to settle the debt. Entering a debt relief program or filing for bankruptcy could also halt the wage garnishment process. Taking prompt action to settle the debt and prevent further wage garnishment is essential.

Los Angeles Wage Garnishment Attorneys

At RHM LAW LLP, we specialize in helping individuals navigate through the challenges of wage garnishment. Our experienced bankruptcy attorneys are here to guide you through the process, protect your rights, and explore viable solutions. Contact us today at (213) 344-0043 to schedule a consultation and take control of your financial future.