What types of debts can be garnished?
The most common type of debt that will lead to wage garnishment are unpaid spousal or child support, tax debts, and student loan debts. Although these debts are the most common type of debt to lead to a garnishment, they are not the only ones. Further, the garnishment process can take time, giving you a chance to resolve your debt before the garnishment order take effect.
How are wages garnished?
To garnish your wages, a creditor must first get a court judgment. The creditor must inform you of the garnishment before beginning the process. This allows you the opportunity to contest the garnishment. If you do not contest the judgment, it will become permanent and your wages will be garnished until the debt is resolved. However, there are ways to stop a garnishment.
How do I stop a garnishment?
You can contest the garnishment order, which may be able to get you a hearing. At the hearing, you may be able to stop the garnishment, and reduce how much is garnished. You can pay the debt back to the creditor; but, chances are may not be able to repay the debt which is why your wages are at risk of garnishment to begin with. You can also consult a bankruptcy attorney on how they may be able to help you halt the garnishment process and resolve your debts.
you have been sued by a creditor or are having problems paying your debts, talk to a Houston bankruptcy attorney to learn more about the options available to you.