Law and Justice

Know the ways to handle a garnishment order

Incapability to repay what you owe is a difficult thing to handle. In such circumstance, if the creditor files a complaint and applies for garnishment, he may be able to obtain money from your possessions, wages, funds, etc. If there is a threat of such a step, it is wise to get help from a legal professional. Only a proficient garnishment attorney can help you in such a situation.

Whether you are a resident of Maryland or of Virginia, certain federal laws limit the scope of the procedure. A basic idea about this could help in this regard. Only a percentage of the ‘disposable earnings’ of an individual is for this. Therefore, the required deductions, like social security withholdings and taxes are not within the limit.

In case of wage garnish, there are certain restrictions. The creditors cannot get orders for accessing your Social Security benefits, Retirement plan benefits and Public assistance benefits. Moreover, if the credit is not about to spousal or child support, the Workers’ compensation awards and Disability or Unemployment benefits are not within the reach of the procedure. Your garnishment attorney can guide you in this matter.

Another sort of protection is also existent in case of wage garnish. Your employer does not have the right to fire you based on a single instance. Your wage may be subject to a single garnishment and this gives the employer no reason to terminate you from the job. However, if there are multiple incidents of the same kind, your employer is legally capable of terminating you from your post.

Another method to avoid this is to file for bankruptcy. However, it is the last resort you can opt for and it may have serious consequences as well. Your attorney is the best person to discuss the matter. He/she knows how to handle and resolve the situation without filing for bankruptcy.

You need a lawyer from your state to avoid hassles. For example, if you are a resident of Maryland, you may get help from the Maryland Lawyers Directory.

Useful Resource:

If you want to get a clear idea about how to tackle a garnishment order, get in touch with an attorney. For more details on this, visit http://www.bjhaynes.com/. You can also hire the services of a garnishment attorney here.