Chattanooga Wage Garnishment Attorneys
Protect Your Finances from Creditors
If you are at risk of having your wages garnished due to unpaid debt, or creditors are already taking money from your income to pay what you owe, Conner & Roberts, PLLC can help. Our Chattanooga wage garnishment lawyers understand that you are already going through a difficult financial situation, and a court-ordered garnishment only makes things worse. We have helped several clients take control of their debt and move towards financial independence.
Understanding Wage Garnishment in Chattanooga
When a person stops paying their bills, creditors are legally entitled to obtain a court order and collect money they are owed by taking out a portion of the debtor’s paycheck. This is legally referred to as wage garnishment.
If the court grants the garnishment order to the creditor, it will then be presented to the debtor’s employer. The employer is required by law to withhold the stated amount from their employee’s paycheck so that it can go directly to the creditor.
Common reasons for wage garnishment include:
- Child support
- Federal and state taxes
- Court fines
- Credit cards
- Student loans
- Medical bills
- Personal loans
- Other consumer debts
The good news is that you have legal rights, including limits on how much can be taken from your earnings at one time. However, this amount can be as high as 25 percent of your disposable income. If you make child support and spousal support payments, up to 50 percent can be garnished.
We Can Help You Keep Your Wages
Wage garnishment amounts are often so high that it leaves people unable to pay for basic living expenses. If this describes the situation you are in, you may have the option of filing a claim of exemption to reduce the amount being taken out of your income.
Alternatively, bankruptcy can help to put an end to certain types of wage garnishment by discharging your unsecured debts. To discover which solution works for your situation, consult with our Chattanooga wage garnishment attorneys as soon as possible.
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