Wage garnishment is nothing but deducting some amount of a persons salary in order to pay back to his creditors usually as per the court order. As per wage garnishment laws an employee’s one-fourth of the disposable income can be deducted from his salary as garnishment.
Most of the times wage garnishment is done to help the child i.e. child support, taxes or court fines but there can be other reasons also. This also affects the person’s credit rating and his chances of obtaining a loan.
The most surprising part is that the law does not describe how to stop wage garnishment! Most of the employers use this thing in their payroll process and deduct some part of their disposable in the form of garnishment. It is illegal and a person found doing this can be fined up to $1,000 or an imprisonment of 1 year. Federal and state garnishment laws can be used to avoid wage garnishment actions by creditors and collectors.
The best way to avoid this is to be proactive while dealing with your creditors and taking a loan. However, if you feel that you wages are being garnished illegally by your employer, then you can submit your application to our Fair Debt lawyer. The debt collector can be sued and is liable to pay your damages up to the tune of $1,000 along with the attorney fees.