Wage garnishment. What can I do?

by mzw008
(Van Nuys, California USA)

Quick click loans just won a judgement against me and got a wage garishment granted. I do not want to file bankruptcy but I can't afford to pay them 25% of my take home pay.
Is is worth it to consult an attorney? Or should I just file for an exemption? I am looking for the best and least expensive way to handle this.

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Feb 05, 2012
Wage garnishment. What can I do?
by: Debtcollectionanswers.com

I am not an attorney nor do I know how easy it is to get an exemption from wage garnishment in your state or the basis of any exemption. However, I can tell you that if you have a lot of debt, bankruptcy is probably your best option.

If you qualify for a Chapter 7 bankruptcy, most if not all of your debt will be wiped out. If you qualify for a Chapter 13, you will get 3-5 years to pay off your debt (probably for less than the full amount that you owe) and you will be under the protection of the court during this time, which means that your creditors cannot try to collect from you. Also, regardless of which kind of bankruptcy you file, once your bankruptcy has begun the garnishment must stop.

If you would like to find out more about bankruptcy, you should schedule a free initial evaluation with a bankruptcy attorney. I also recommend that you learn more about the bankruptcy process and how to file for bankruptcy. A word of warning however! Don't try to handle your own bankruptcy. It's a very complicated process and you really need an attorney's help to benefit from it.

Oct 13, 2014
Wage garnishment
by: Anonymous

I went through a similar situation when my husband walked out on our family and left me with the debt. After consulting with an attorney, I went to the courthouse and they provided the form for the exemption and I filled it out there and filed it. It is very easy. I sent a copy to my HR department and to the credit card company. I was told that if you bring home LESS than $500 a week, then you qualify for an exemption and they cannot garnish your wages. However, this will not remove the judgement from your credit report. Hope this helps.

Reply from DebtCollectionAnswers.com

Thank you so much for sharing this. We hope you are able to get back on your feet.

Jan 04, 2015
wage garnishment in Virginia
by: Anonymous

If you have previously been to court a few years ago. In the state of VA. They started garnishing your wages and stopped. Then recently sent you papers to go back to court and do it again. Is that possible? Why would they stop in the first place?

Reply from DebtCollectionAnswers.com

It's hard to say why they stopped but regardless of the reason if the judgment is still valid and you still owe the debt you'll want to find a way to put it behind you. We encourage you to at least get a free consultation with a bankruptcy attorney to find out what your rights are.There are some ways to avoid or minimize garnishment and the attorney can see if they apply to your situation. You can get a free initial evaluation with a bankruptcy attorney to learn about your options.

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