Kimbery Credit Counselings Blog
Tuesday, March 18, 2008
Wage Garnishment
Wage Garnishment
A writ of garnishment is an order granted to a creditor by a court. It orders an employer to garnish the wages of the defendant by a certain amount each paycheck. Such a writ is only granted after the creditor has filed suit to recover a debt and received a favorable judgment. This can not be granted without a judgment, as every American is guaranteed the right to due process. So, unless your creditor has sued you and won, do not worry about your employer receiving such a writ and the creditor garnishing your wages.
A writ of garnishment is an order granted to a creditor by a court. It orders an employer to garnish the wages of the defendant by a certain amount each paycheck. Such a writ is only granted after the creditor has filed suit to recover a debt and received a favorable judgment. This can not be granted without a judgment, as every American is guaranteed the right to due process. So, unless your creditor has sued you and won, do not worry about your employer receiving such a writ and the creditor garnishing your wages.
A writ of garnishment not only states the amount to be garnished from a person's paycheck; it also provides instructions as to where the amount taken from the paycheck should be sent as well. If your employer receives a writ of garnishment, they then have no choice but to do as he has been instructed no matter how much he may not want to do so. An employer who refuses to do as the writ orders could face serious legal trouble himself since he is disobeying the order of a court of law.
How to Avoid Wage Garnishment
The best way to avoid having your wages garnished is to avoid being sued in the first place. So many consumers go into denial mode when they can't pay their debt and try to hide from and avoid their creditors by ignoring correspondence and phone calls. Just contacting your creditors, telling them why you can't repay your debt, offering a reduced monthly payment and keeping them informed of your financial progress, is a much more effective way to handle debt problems and avoid writs of garnishment and -- if you deal openly and honestly with your creditors you won't jump every time the phone rings or lay awake at night worrying. Creditors spend a fortune on collection costs and are motivated to avoid lawsuits, therefore, both you and your creditor benefit by communicating and working out a payment plan which a debt consolidation company can assist you with. Debt consolidation can help you get out of the debt your in and get you on the right track to financial freedom.
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