When your employer receives a wage garnishment order, they are required to withhold a certain amount of your paycheck and send it to the creditors. This can be a difficult process to deal with, especially if you have other financial obligations. Here is some information on how wage garnishment works and what you can do to protect your wages.
How Does Wage Garnishment Work?
The first thing you should know is that wage garnishment is a legal process. This means that your employer cannot refuse to comply with the order. If they do, they could be held liable for any damages that you may incur as a result.
Once your employer receives the order, they will need to determine how much money to withhold from your paycheck. This is typically a percentage of your disposable income, which is the amount of money left over after taxes and other deductions have been taken out.
In most cases, the creditors will request that 25% of your disposable income be garnished. As you might guess and understand, that’s a significant chunk of your take-home pay.
Your employer will then send the money to the creditors. It is important to note that they are not required to notify you of the garnishment. However, they may choose to do so in order to avoid any potential problems.
If you are facing wage garnishment, it is important to understand your rights. Not all states allow wage garnishment, so you might not need to worry about aggressive debt collection actions like garnishment and bank account levies. You should also contact an experienced attorney who can help you protect your wages.
To learn how wage garnishment works or to find out what you can do if a creditor has garnished your wages, contact an attorney to discuss your situation.
