The Department of Education does not need a court judgment to garnish your wages. They use an administrative process that bypasses the local court system entirely. Federal student loan garnishment is limited to 15 percent of your disposable earnings, which is lower than the standard limit for consumer debts. You have exactly 30 days from … Read more
Child support wage garnishment does not require a court lawsuit or a trial to begin; an Income Withholding Order is issued automatically by state agencies. Federal law allows child support to take up to 65 percent of your disposable earnings, which is drastically higher than the 25 percent limit for standard consumer debts. Filing for … Read more
Federal law caps consumer wage garnishment at 25 percent of your disposable earnings, but many states have passed laws to lower that limit and protect more of your paycheck. When state laws conflict with federal laws regarding garnishment limits, your employer is legally required to use whichever calculation leaves you with more take-home pay. Four … Read more
Debt collectors do not call your employer just to pass along a message or find your cell phone number. Agencies use these calls under the guise of “location verification” to confirm you have an active paycheck worth garnishing. A confirmed employer updates the account’s priority status and often moves the file closer to a litigation … Read more