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Dealing with the threat of wage garnishment

Unfortunately, unpaid debts are becoming extremely common, especially when businesses do not require immediate payment for a service that they provide. If you are a debtor who is facing a threat of wage garnishment from creditors, it is important to understand the law.

One of the possible options that creditors have is the pursuing of wage garnishment. Wage garnishment is a process that can only be ordered by the courts. It involves the debtor's employer diverting a portion of their salary to the creditor before they receive their paycheck.

How common is wage garnishment?

Wage garnishment tends to be viewed as a last-resort attempt at gaining back debts. However, it is a surprisingly common phenomenon. The ADP research institute reported that in 2013, 7.2% of the employees they assessed had their wages garnished. The most common reason for wage garnishment is unpaid child support, however, it is possible for creditors to recoup unpaid consumer debts through this method, too.

Will I be subject to wage garnishment as the result of a debt?

In order to be subject to wage garnishment, your creditor must sue you for the nonpayment of a debt. If they win in court, the judge will assess the situation and decide on a fair and appropriate way for you to pay the debt. In certain situations, your creditor may have the authority to intercept your bank account or have your employer garnish your wages.

If you are struggling due to accumulated debts and you are worried about the threat of wage garnishment, it is important that you do not delay action. By understanding your rights you should be able to address the issue.

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