Wage Garnishments

Savannah Wage Garnishment Lawyer

What is Wage Garnishment?

Many individuals and families live paycheck to paycheck which means any interruption in the income received through those paychecks can have a huge negative impact. Wage garnishments generally consist of court orders that direct an employer to withhold a certain amount of money from your wages to satisfy a judgement against you for unpaid debts. Typically, wage garnishments of up to 25 percent can be withheld from your after-tax earnings. This means a devastating 25 percent reduction in income that can quickly lead to a financial meltdown where you cannot make ends meet.

If you have found yourself in this situation, you may be searching for a way to handle it. At the Law Offices of Mark A. Bandy, PC, we have helped countless individuals facing wage garnishments that have seriously depressed their ability to survive financially. Our firm concentrates most of its practice on debt relief and bankruptcy solutions. Backed by decades of legal experience and a passion to serve the community, our Savannah wage garnishment attorney offers legal answers that can help you regain control of your financial scene.

Losing paycheck income from money judgments via wage garnishment? Call the Law Offices of Mark A. Bandy, PC to schedule a free consultation at (912) 331-4501 for legal guidance. You can also contact us online.

How Bankruptcy Can Stop Wage Garnishment

Wage garnishment orders are entered by a civil court after a creditor has obtained a judgment against you for the amount owed. Some creditors can have your wages garnished without a court order; these are limited to governments or the parent of your child who is owed support. Thus, these types of wage garnishments are made to obtain the arrears on unpaid taxes, student loans in default, or court-ordered child support payments. In each of these latter wage garnishment cases, the amount that can be withheld from your after-tax earnings will vary based on statutory law.

For example, 15 percent of your income can be garnished for unpaid student loans. Unpaid taxes owed to the federal, state, or local governments can be deducted from your wages; the amount for these will vary based on your dependents and tax deductions. UP to 50 percent and, in some cases, up to 60 percent may be deducted for child support payments based on individual circumstances.

In addition, while employers are generally prohibited from terminating an employee for one garnishment, they may terminate you if you have more than one judgment.

Wage Garnishment Assistance From the Law Offices of Mark A. Bandy, PC

If you are swimming in debt and being threatened with wage garnishment from creditors, it is in your best interests to seek competent legal advice. Our bankruptcy lawyer in Savannah can review your circumstances and help you understand the options available to you to avoid or halt wage garnishments and other debt collections. Taking control of your financial situation can make a significant difference in the quality of your life and future.

Get the legal assistance you need to stop wage garnishment by contacting us at (912) 331-4501 today.

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