Posted on: 13 January 2021Share
If you have recently received official mail letting you know that you are about to have your wages garnished, you will want to seek out the help of a wage garnishment lawyer. To help you understand why you shouldn't try to represent yourself in this matter, you will want to spend a little time reading through the following information:
They Can Confirm The Debt They Claim You Owe
When a creditor takes legal action to have your wages garnished, they have to provide the courts with an exact amount of what you owe them. There are some cases when that amount might be different than what your records indicate. You certainly do not want to pay more than you are obligated to, especially when a lot of money is going to be taken out of your paychecks. By hiring a wage garnishment attorney, you will be able to have the figures double-checked and then adjusted if needed.
They Can Try To Work Out A Plan With The Creditor
If you are quick enough with the retaining of a lawyer, you might be able to get the creditor to agree to a payment arrangement instead of going after a wage garnishment. Often, you would be better off with a payment agreement versus a wage garnishment because you will want to avoid the troubles that come with the garnishment. When your wages are garnished, the creditor is allowed to take up to a set percentage of your entire pay, every payday. The exact percentage allowed will depend on your state laws. Either way, it is going to be a lot more than what your attorney may be able to get the creditor to agree to through the use of a repayment plan.
You Won't Lose Your Job Over The Garnishment
Simply put, in most states, you cannot be fired over having your wages garnished for a single debt. However, that is not always the case if you have multiple garnishments on your paycheck. If your employer is actually threatening to fire you, or has fired you, over the fact that your wages have been garnished, talk with an attorney soon. They may be able to help you come to a resolution with your employer, but more importantly, they can help you with your creditor and help negotiate a payment plan that does not involve garnishments.
Begin your search for a wage garnishment lawyer right away so you can be seen for your consultation soon.