Are Creditors Threatening Wage Garnishment?
Wage garnishments are one of the worst-case scenarios when your debt gets out of hand. If a creditor sues you and wins in court, they can garnish your paycheck and your bank account simultaneously, within 30 days. They are capped at the amount they can take from your pay depending on your specific circumstances, but they are able to capture everything in your bank account that is not exempt (social security/disability/etc). If you find yourself in a situation where a creditor is threatening wage garnishment or is taking you to court, you need to call an experienced wage garnishment lawyer in St. Charles right away!
How Much Can the Creditors Take?
It is possible for a creditor to take up to 25% of your paycheck before it is directly deposited into your account. Then, when your check is direct deposited and mingled with the other funds in your account, they can empty your entire bank account with the rest of your paycheck.
Once that happens it is incredibly difficult to get out from under that debt. You don’t have the funds to pay an attorney to fight it or file bankruptcy because it is all tied up by your creditors. And the bad news is garnishments can run back to back to back. So once one creditor is paid off, the next in line can do the exact same thing.
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