Home » Debt Collection Lawsuit Help: Prevent Wage Garnishment

Debt Collection Lawsuit Help: Prevent Wage Garnishment

wage_garnishmentReceiving a lawsuit from a debt collection agency threatening a judgment against you, or a notice that your wages are being garnished, is frightening.  Questions arise: How do you defend against debt lawsuits and fight wage garnishment? How much of your hard earned money can a creditor take from earnings? Is there any way to stop a wage garnishment or bank levy? How do consumers fight back?

Debt Collection Lawsuit Help: Prevent Wage Garnishment

Creditors, like everyone else, have certain rights, and they have attorneys working hard to help them collect your money.  Individuals usually do not have the knowledge or resources to combat their strategies, and may end up paying much more than necessary to settle their debts. When an individual owes money to a creditor and cannot pay, the creditor usually seeks relief from the court system.  After filing a debt collection lawsuit, the creditor can seek several methods of repayment.

Free Case ReviewDebt collection lawsuits do not have to end with a judgment entered against you and your wages garnished; sometimes a creditor will settle the case for less than the face amount in order to save on legal fees.  However, with the new, stricter bankruptcy laws, creditors tend to seek the full amount and will sometimes refuse to work with individuals to find solutions for repayment.  If the individual cannot or will not pay the full amount immediately, a wage garnishment may result.

The amount you may be garnished varies under state wage garnishment statutes and the federal wage garnishment law, but these laws essentially allow a creditor the right to take money directly from an individual’s paycheck after seeking a court order. The judge orders the employer to cleave off a certain amount and send it directly to the creditor, usually adding on court fees and other penalties to the base amount. A wage garnishment stays in place as long as the individual is employed and until the full amount, plus interest, collection attorney fees and court costs are fully paid.

You have options when faced with a debt collection lawsuit or wage garnishment.  Don’t be defaulted or give up your hard earned wages, defend your case or settle for less!  You may be able to have the lawsuit against you dismissed, or may be able to stop an unlawful wage garnishment. Read about your state’s laws.

DID YOU KNOW: If your fair debt rights have been violated, you can make a debt collector pay you up to $1,000 or more under state and/or federal fair debt laws. Call 888-595-9111 to learn more! By an Act of Congress and the President of the United States, we are a federal Debt Relief Agency. Attorneys and/or law firms promoted through this Web site are also federally designated Debt Relief Agencies. They help people file for relief under the U.S. Bankruptcy Code. Disclosures Required Under the U.S. Bankruptcy Code.

Don’t go it alone and risk losing, put an experienced Debt Help Lawyer on your side.

Just because a debt collector sues you does not mean they will automatically win, and just because a debt collector is threatening you with wage garnishment or you are being garnished doesn’t mean that debt collector is entitled to your money. If you are being threatened by a creditor with a debt collection or wage garnishment, you may need the assistance of someone who has years of experience in debt collection law to assist you.  Creditors are often more willing to work with Debt Help Lawyers than consumers, and your attorney can help you find the best repayment method possible.  Many times an attorney is able to negotiate reductions of fees and penalties and work out a repayment plan that protects the debtor’s rights as well as the creditors.

The fastest, most effective way to stop a wage garnishment or fight a debt collection lawsuit is generally by enrolling in a debt settlement program or by filing for bankruptcy, and through enforcement of your fair debt rights. Debt settlement enables you to settle all your debts for significantly less than you presently owe, and bankruptcy can discharge most, if not all, of your debts entirely.

Hiring a Debt Help Lawyer Can Help You:

debt help lawers

  • Silence creditors and bill collectors
  • Get rid of credit card debt
  • Stop a current wage garnishment
  • Stop a foreclosure or auto repossession
  • Satisfy old judgements

Get a fresh start with a permanent and lasting solution through debt settlement or bankruptcy and begin on the road to financial freedom today!  Don’t go it alone, put an experienced Debt Help Lawyer on your side.  Low fees, great service.

confidential informationThere may be instances where discussing your situation over a public forum could potentially compromise your interests. On these occasions we will contact you directly via email in order to answer your inquiry in a confidential manner.

56 comments

  1. I am helping my Sister clear a credit card judgement against her from GE Money. We started this in January of this year. My sister received a letter that a new attorney was assigned. She wrote the attorney a letter on March 31 of this year wanting to resolve the debt leaving her telephone number and her place of employment. April 1st, the attorney filed a writ of Granishment. My sister did not receive her mail until May, since she is staying with my dad to help him out (Age 77). She was not expecting the writ of Garnishment. She is a single mother with two children struggling to keep her house payment/utilities paid (two story house). We have been trying to refinance her house since she is paying 6.25% interest. We filed a motion to Squash the Writ of Garnishment and a motion to pay the balance due immediately the specific court date. The Judge denied her motion to Squash the Writ of Garnishment due to the fact(s) that my sister had a total of $1200 garnished and he Lawyer had only received $700 and change from her employment. The Judge made it clear to the lawyer to contact her employer to verify the amount garnished and contact my sister on a timely basis. The Judge said there will probably be one more garnishment. The Judge also substracted filing fees and stopped any more interest. The Judge several times made it clear to the Lawyer to contact my sister immediately. It has now been two weeks since court and my sister has left several messages. Should we contact the Judge’s office? I am amazed that either the Lawyer or GE Money does not want the money immediately now that we are helping her. What shall we do. We keep spending legal money, time-off job money in order to resolve this debt. They are getting their 8.5% interest on the original judgment of $2,200. They will receive the full amount of $3,500. What recourse does my sister have? We have the original judgement, plus interest for the past 6 years, motion to Squash Garnishment, Motion to deny Garnishment, my sisters letters to the lawyer to resolve issue, copies of all phone records as the lawyer claims the number was disconnected (False). I spoke to the lawyer after the court case and asked when she could be hearing from him, he claimed “if the phone number works.” My sister never denied she owed the money, she was unable to pay that specific debt first, since her husband left all the debt to her, Her priorties was to keep a float and pay those debts in priority. This was the last one she needed to clear up…hence, this is where I helped her with $4,000 to clear up. Should we seek another debt attorney and spend $1,000, which she can not afford at this time. I would have to pay the money. I now do not believe in the legal system as I watched and listened to the Judge and this Attorney “shoot her down” when she was prepared to pay the balance of the debt the day in the court room. I am so frustrated with the legal system. She has not denied once her debt she owed. What is our next steps?

    • It’s difficult when things are done orally only — you mention that your sister called the lawyer twice and has gotten no response. It would be better for “the record” to have written twice and gotten no response, so remember communications should always be in writing — collectors know this too…

      As for the delay in responding, it may be an unfair practice under section f. It may entitle your sister to statutory and actual damages, and also may provide settlement leverage.

      You probably can see from this experience it’s a good idea to have Debt Help Lawyers on your side when dealing with debt collection attorneys. The fair debt attorneys at 888-595-9111 are well versed in FDCPA and in debt settlement, call them or submit an inquiry with your name, phone and state and someone will call you — of course, this is your sister’s issue so she ultimately needs to be part of this process, but you can begin the ball rolling.

      Good luck.

  2. I am having my wages garnished unlawfully because a company called Kimball Tyree and St. John lied to the courts and made them believe that i am responsible to pay past rent and damages from an apartment that is no responsibility of mine and they have confirmed that the responsibility is someone else due to signature on the lease. This judgement was a past issue that this company committed deception by sending me letters just to bully me. I never lived nor signed a lease, they even tried to serve me at the same apartment complex which I never lived at. not the courts under false allegations believed this creditor and now I have to pay for someone else responsibility. I’ve fought for my beloved country and will do so again but where is my rights to defend or better yet how can a firm like this take something and lie to fraud my name to get money, like a bully taking a kid’s lunch money that he rightfully earned. Am I to sit here and let my lifestyle be pained and let hardship just run over me?

    • A lot more questions would be needed to answer, including whether the creditor or collector properly served you the lawsuit, which would have given you an opportunity to defend yourself. What was the most recent attempt to collect on the account? While the questions may be hard, the answer is easy: get a Debt Help Lawyer from this site to enforce your consumer credit and fair debt rights. Call us at 888-595-9111 and get a free case review, there is no obligation and it sounds like you can use the help!

  3. My mother received a garnishment for a car she lost in 2005. Isn’t it illegal to garnish wages if the debt is more than 7 years old? They are taking more than 25% of her gross income leaving her with a little more than $1000 a month in earnings after taxes.

    • A debt collector with a right to garnish (for example, arising from a judgment) can seize any non-exempt funds from your bank, and garnish up to 25% of your disposable income from your paycheck. However, the story you tell doe not pass the “smell test” as either you didn’t get a fair chance to respond to the lawsuit or there was a likely improper service to begin with. Your mother likely experienced some sort of Fair Debt violation(s), and even if not, it sounds like she would benefit from re-prioritizing debts through debt settlement, and the Debt Help Lawyers at this site can provide you a free, no obligation Fair Debt consultation. The worst thing to do is nothing, so call us now at 888-595-9111 and we will get started figuring our how to help you!

      • I will contact you regarding my mother shortly as they are continuing to deduct payments and she has now paid more than the debt was worth. Also, the debt is more than 10 years old.

        • We would be happy to provide a no obligation case review and let’s figure out how to get you some real help, you may be entitled to $1,000 or more! Make the collector follow the law or pay you, call us at 888-595-9111

  4. Looking on how to file a Leon or garnishment or what I can do to get money owed to me from around the clock heating and air in Georgetown de 19947. He owes me over 2000.00 so far and late fees are starting to be applied. Also want to report to the credit burea as well. Please contact me via phone at 302-542-0337. So I may explain in detail thank you.

  5. My wages were currently garnished 25 percent with less than 1 week of notice & no recent attempts were made to resolve this issue in over a year? To make things worse my federal tax return was taken so the $900 owed are already paid in full but when i called & talked to the guy at the division of revenue he told me he could not stop the wage garnishment until the IRS sends them the check which could take a month! So i was told i was pretty much gonna be charged twice & there was nothing i could do about it, what are my options?

    • Something doesn’t sound right here. There is a lot you can do about it, the fair debt collection practices act was specifically drafted to cover wrong doing such as this. The Debt Help Lawyers at this site can provide you a free, no obligation Fair Debt consultation please call us at 888-595-9111. Talk with a legal assistant, and we’ll have an attorney respond. If there is a Fair Debt claim against this collector, the attorney’s representation will be at no cost.

  6. I was sent a summons 10/30/13, but was never sent a court date or notified of a lein or judgment against me. I went to use my debit card yesterday and my card was declined. I called Bank of America and my accounts were placed on hold. “LOC FL GARNISHMENT” emptied out my bank accounts (joint with my husband). I have retained a lawyer and am in the process of gathering my documents to file bankruptcy. Do I have any recourse to get my money back? They took over $7,000 with absolutely no notice and left us literally penniless with 4 kids to take care of!

    • I’d suggest obtaining a full copy of the court file. This doesn’t pass the “sniff test” something sounds fishy here, we would be happy to have a Debt Help Lawyer at this site provide you a free, no obligation Fair Debt consultation. Give us a call and let’s figure out how to get you some real help. You may be entitled to $1,000, your money back, and more! Make the collector follow the law or pay you, call us at 888-595-9111 and we’ll get you taken care of.

  7. I received a writ of garnishment from my bank. A collection agency is after a old medical bill from 2011. I did not know anything about this and not receive anything in the mail. There were no funds available in my account so now I’m worried they will try something different with oit giving any notice to me again. I’m not sure how to handle this. Do I contact the collection agency? I’m sure it should only be in writing. I need help not sure what to do.

    • I’d suggest obtaining a full copy of the court file. This doesn’t pass the “sniff test” something sounds fishy here, we would be happy to have a Debt Help Lawyer at this site provide you a free, no obligation Fair Debt consultation. Give us a call and let’s figure out how to get you some real help. You may be entitled to $1,000, your money back, and more! Make the collector follow the law or pay you, call us at 888-595-9111 and we’ll get you taken care of.

  8. I have a Garnishment Court Order delivered on February 14th. It says the Collection agency will start garnishing my salary if I do not respond in 20 days. I am a single mom and will not have enough money left to pay my rent and expenses (water, garbage, utilities and food) if the collector takes 25% off my salary. Is there anything I could do to stop the garnishment and arrange a monthly installment instead? Help! :(

    • A debt collector with a right to garnish (for example, arising from a judgment) can seize any non-exempt funds from your bank, and garnish up to 25% of your disposable income from your paycheck. Depending on your state and your income there may be exemptions. The Debt Help Lawyers at this site can provide you a free, no obligation Fair Debt consultation. The worst thing to do is nothing, so call us now at 888-595-9111 and we will get started figuring our how to help you!

  9. I have had my wages garnished for around 4 months for WA State unemployment benefits that the state decided were paid illegitimately. I was never informed of the garnishment. Pay just started coming out of my paycheck. Of more concern, however, is the fact that my employer failed to enter an end date for the deductions, and by the time I caught the error my employer had deducted about $950 in excess. They have told me that they are contacting their payroll company to learn the procedure to return the funds to me. They are, “hoping to be able to have the money back to me by next payroll.” This is in two weeks. Here are my questions:

    1. Is it reasonable to have to wait two weeks for the money that is owed to me?

    2. Is it proper to begin garnishing my wages without any communication to me?

    Thanks,

    Scott

    • You may have experienced some sort of Fair Debt violation(s), and even if not, it sounds like you would benefit from re-prioritizing your debts through debt settlement, and the Debt Help Lawyers at this site can provide you a free, no obligation Fair Debt consultation. The worst thing to do is nothing, so call us now at 888-595-9111 and we will get started figuring our how to help you!

  10. My husbands wages were garnished in January from a medical bill thats 8 years old! They are already taking more than 25% of his check each week & making things really hard but yesterday i found out that they got into our checking account & took all that was in there plus cleaned out all 3 of our kids savings accounts!! I need help finding out if this is legal & what rights i have?

    • A debt collector with a right to garnish (for example, arising from a judgment) can seize any non-exempt funds from your bank, and garnish up to 25% of your disposable income from your paycheck. However, the story you tell does not pass the “smell test” as either you didn’t get a fair chance to respond to the lawsuit or there was a likely improper service to begin with. You may have experienced some sort of Fair Debt violation(s), and even if not, it sounds like you would benefit from re-prioritizing your debts through debt settlement, and the Debt Help Lawyers at this site can provide you a free, no obligation Fair Debt consultation. The worst thing to do is nothing, so call us now at 888-595-9111 and we will get started figuring our how to help you!

  11. My boyfriend account is being garnish for $2400 in his checking and saving account. It has frozen his account and they are now both negative for an amount that is not in there. We have no idea where it is coming from and have not received any notice from anyone. What should we do?

    • Did you receive a letter from your bank? This will tell you where the judgment was entered and who sued your boyfriend. Second, call the clerk of the court in the county where the judgment was entered and request a FULL copy of the court file. Leading up to this, did you receive any collection letters? You may have experienced some sort of Fair Debt violation(s), the Debt Help Lawyers at this site can provide you a free, no obligation Fair Debt consultation. Call us now at 888-595-9111 and we will get started figuring our how to help you!

      • The Department of Revenue are the ones that have garnished my account. Is there anyway a payment plan can be set up without closing my business. My business was struggling very bad considering the spot i am in but it is picking up.I really dont wanna close my business so is there anything i could do.

  12. The was a judgement set against me in December of 2013 and the papers that were given to me said the wage garnishment was to be paid until paid or for up to 6 months and then judgement would be settled. I worked did not argue or cause problems they took the garnishment for 6 months I thought this was the end of this debt since it said in the paperwork that it would be settled after 6 months then suddenly with now warning my check is being garnished by the same company again according to what the company I work for told me with no warning what so ever they did nit serve me with a court date or notify me in anyway that they were taking me back to court .and the copy of the paperwork that was sent to my employer had the same judgement date as the first. I don’t understand how they can do this to me again especially without even notifying me that they were going to.

    • At first glance it sounds like the renewed the garnishment order. How much was the total judgment? How much was garnished during the six months and how much is remaining owed?
      It is possible that you have experienced some sort of Fair Debt violation(s), and even if not, it sounds like you would benefit from re-prioritizing your debts through debt settlement, and the Debt Help Lawyers at this site can provide you a free, no obligation Fair Debt consultation. The worst thing to do is nothing, so call us now at 888-595-9111 and we will get started figuring our how to help you!

  13. I only letter stating garnishment of wages was to begin from my employer. I was never served but in file they have I was served. There is no signatures. I filed head of household excemption was suppose to go to court 3/5/15 but it got rescheduled due to weather meanwhile I have been garnished almost 1600.00 now sjnce 12/24/14. If I win exemption can I get that money refunded? Can I state in court I was never notified properly.

  14. I had a wage garnishment served by the Sheriff to the tanning salon Owner next to where I work. I’ve never worked there. Ever. Not one day. Needless to say it was embarrassing being right in front of customers. Is this legal?

    • Yes. Perhaps we can help though, maybe getting it settled for less or helping you with other debts so you can manage the garnishment. Call us for a free, no obligation consult. 888-595-9111.

  15. I’m getting garnished $91 out of my checks everyweek. I’m a single mom with my own apt & car & Im a full time worker at a factory. When I went to the doctor I didn’t have insurance but the nurse asked me if I wanted to sign up for financial assistance so I can find something to help me. So when I got a phone call about the financial assistance I was eligible to receive a Medical card! So I don’t know why I’m stuck with this debt. I’ve never gotten a call or anything mailed to me! But I did get served papers back in January , & I even Wrote a letter before the 20 days was up, & I never heard back from him & last week I just receive this garnishment paper in the mail that wasn’t filled out & they even took out my garnishment last week without notifying my on anything! I never got a court date so I could go a represent myself! & its over $19,000 plus 12% interest! I need help fast! I don’t have the money to pay that when The hospital set me up to get a medical card to pay it! I’m done went into depression over this. Please help me

    • Please fax in your paperwork, let’s have a look. 866-773-6152 is the fax number, include your contact info. Free case review. Or call 888-595-9111.

  16. I just received notice of a Collections agency (Restore Financial Services) garnishing my wages for a Judgement filed against me in Oregon (Multnomah County Circuit Court) Way back in 2000.I was led to believe that the statute of limitations on this kind of debt was 6 or 7 years in Oregon?Also I never went to court for this.I was out of state around that time so I dont ever recall getting a summons.What are my options here if any?I cant afford to pay them the $7300 of which 80% of is interest.What are my options here if any?

  17. Joann Fairchild

    I just received a voicemail telling me I was being charged with fraud charges that were going to go to my workplace and my home that I could stop it before it went through the court system I was left a case number so I called it back I was basically served over the phone my children heard my husband heard then I was asked for my social and told to verify my address which was an old address and my social and they wanted me to pay for a payday loan that I did default on in 2005 I thought the the statue in SC was 6-7 years I cant pay the 100,00 a month or the 800 the rude lady wants now she demanded my credit card and I refused I told her I would discuss it with my husband I offered to pay what I could monthly but it was not enough it has to be the 100,00 monthly or they are taking me to jail for fraud, is this allowed?? I don’t have a job first of all to garnish I am on disability I am worried they are going to send everything to the wrong address and start freezing the bank account. any help would be great I saved her message where she served warned me at 6:30 at night and said she was from a collection agency. trying to help me and keep meout of court. I even looked this up on my credit report its not on it.

  18. I have had a person to call my place of employment and discuss a so call debt that they say i owe with my supervisor… once I call the number that was even to me from my supervisor the lady said it was from a Wachovia bank account i have had back in 2009 for 150.53 over drawn but they sold the acct to someone along with my personal information for 90.50 and they want me to pay 628.35 as a settlement or we go to court in then they asking for 1268.56 .. what Is it that I can do

  19. Can a creditor call you job and say they are calling about a garnishment?

  20. My wages are currently being garnished, $2249 plus interest of $2358. How is it possible that interest is more than the judgement amount! So unfair

  21. I received a call from a credit card company concerning my debt. They said if I paid off the principal (261.00) my interest fees would be forgiven. The debt was approximately three years old in 2010 and I paid the amount. Now I get a garnishment from Midland funding to collect $2600 . I filed a writ to stop judgment
    but they have contested it. It is up to the judge–is there anything I can do?

  22. In 2008 Discover Card attorneys won a default judgment against me where I live in Florida. The debt was already 7 years old – 7 years since last activity when they got the judgment. I have made no payments on it at all since 2000. I now wonder if I had gotten an attorney, could I have avoided the judgment based on a statute of limitations.
    A few years ago (twice) they froze my checking account which contained exempt funds (I’m Head of Household with a disabled son whom I support 100%). I filled out their forms and got it released, but it took weeks.
    The Original unsecured debt was close to $10,000 in 2000 when I lost my job. With all the fees and 11% interest, over the years, they now say the amount is up to $35,000+
    If they freeze my checking account again, and I have a savings account with the same bank, will the bank be obligated to freeze my savings account as well? Or does the creditor have to specify the savings account number in addition to the checking account number to freeze both accounts?
    Thank you VERY much for your feedback.

  23. I have a judgement in regards to a credit card. They have been garnishing my wages for nearly 2 1/2 years. Once I was notified of the garnishment I tried to make arrangements with them and was told that I could not stop the garnishment but that I could make additional payments. I have a 1 year old and as a single mom can’t afford groceries and other living expenses. They are garnishing at 25% and all the while have continued to charge interest on the initial judgement amount. I called again today and was advised that I could possibly set up payments in September once “this garnishment round” is over?! Help! Is this legal? Can they continue charging interest? Why won’t they allow me to set up a payment plan with them?

  24. Hi – I went through a bankruptcy in 2005, just before the major change in the law. Unfortunately one credit card was missed in the paperwork (it was a stressful time) and as a result it ultimately went to court in 2007 where the credit card company received a summary judgment because I wasn’t in court. I was unaware of this because I had moved from California to New Jersey and never received a summons or any other paperwork. The process company apparently did a “knock and drop” service at my old house. I only became aware of the situation because I recently started getting phone calls from a law firm in San Diego pursuing the judgment against me. All their calls have gone to voicemail and I haven’t called them back. My question is what is the statute of limitations on judgments in California? Nothing has been mentioned about garnishments (which they’d have problems with anyway because I’m self-employed) all they have requested is that I call them. My voicemail doesn’t identify me so they don’t know for certain that the person they’re leaving messages with is actually me. Should/can I just wait them out until the debt is uncollectable?

  25. My mother was just served with a summons that she is being sued for an old credit card debt from 2013. She became unable to pay the debt when her husband passed away. She has been on SSD for many years and now draws a check off her deceased husband that I understand can’t be touched either. The only other thing she has is a very small pension check of $74 monthly. After her mortgage payment and household bills she has very little left at the end of the month if anything. The debt was through Discover/Sam’s Club and has been sold to a second party that is suing her. After a lot of research I think she is “Judgement Proof” except for the small pension check. The law in AL is 25% of disposable income but I am unsure how that small pension check would play into it. The summons does not have a court date, it just says she needs to answer within 14days. It does not state who she answers to or how. The amount owed is less than $3,500. There was no estate and the only money she has is what came from life insurance proceeds that has been removed from the bank in case it is frozen. The bank is aware her checking account is strictly for her SSD & Treasury checks. How would it work with the 25% of her small pension check, would they get the entire check monthly or just 25% of it? She can’t afford to lose any more money than she already has with the loss of her husbands income. Thank you

  26. Kaylee Gloudeman

    A creditor from 2009 has a wage garnishment against me. They are taking 15%. The balance was $1522.87 which is what the judgement is for. But now that I am getting close to being done. They talked on suddenly another $90. They say $65 I’d for delivering paperwork to my paperwork, and $25 to tell the courts that they did that. I got no notice of this at all til I noticed that they were reporting they had received less than my records show paid and that they claimed I owed more. They say they don’t have to tell me in writing that they added fees on. Is this correct?

  27. I attended ITT Tech (Phoenix, AZ) back in 1992-1993. I signed a promissory note for the amount of $12,096.00 in exchange for their “wonderland” full of promises. Along with thousands of other ITT Tech victims, I did NOT receive what was promised. I have been fighting this bogus student loan since 1993 and it has gone to numerous collection agencies over the last 2 decades plus. Most recently (within the last decade), I began paying for “Pre-Paid Legal” and occasionally would contact them for advice regarding the bogus loan (I say bogus because I didn’t get what I was supposed to get, so the other side of that little contract did not honor their agreement with me). The attorneys at PPL would advise me that since I lived in Texas, I could simply ignore the collection agencies because Texas law does not allow my wages to be garnished for this type of “debt”. In June of this year, I noticed my paycheck was significantly lower. I contacted my employer’s HR department and they told me that they were garnishing my wages for the department of education. No notice, no warning of any kind, just BAM! I have contacted the D.O.E. and sent them a financial disclosure statement along with a request for a hearing, but they tell me that it will take months to even look at my information to even begin consideration. The attorneys at PPL tell me that basically there is absolutely nothing I can do about this since it’s the “federal government” and they can do whatever they want to. My wife does not work and we have a teenage son. With this unfair wage garnishment, we are getting to the point where groceries are becoming a luxury. According to the same government that is stealing money from us, we “make too much money” to qualify for any financial assistance (like “food stamps”). The wonderful federal government is ruining not just my life, but they are now punishing my wife and our son. If I had been given what the other side of the contract promised (ITT Tech), this wouldn’t be an issue and this student load would have been paid off a long time ago. ITT Tech did NOT do what they promised, and I know that there are thousands of other victims of this school out there. I have read about the class-action suits against ITT Tech, but have no clue how to join any of them. I have also read that the federal government has imposed multi-million dollar fines against numerous for-profit colleges (ITT Tech included) due to their predatory lending practices. It’s confusing to know that the government is punishing these “colleges” for this while at the same time punishing the victims of the very thing they fine the colleges for doing…What can we do? Anything? This is no way to live…

  28. My daughter has a collection agency garnishing her wages in the amount of $460 out of $500 she made, which left her only $40 for over a weeks work. Can they legally take that kind of money? She took a job that was temporary and paid a lot for a lot of work over a short period of time. She has 2 children, 18mo. and 4 years and after cutting her food stamps in half she was trying to get money for food, clothing, diapers etc. I don’t understand the reasoning of taking that much money and it seems illegal to me.

  29. Have a company Hayt Hayt Landau garnishing my wages for a wal mart card i do not recall not
    paying. they will not give me any information. They had my company garnish my wages for
    1,500.00+ would not instruct company how to pay so there holding the check months later they
    contacted the company i work for and are demanding they garnish another 1000.00+ and when
    Hayt Hayt & Landau hears from the court they will let them know where to send money,
    in the mean time this could go on forever. When i googled this company this is common practice
    that does not end untill they have collected as much as they can.

    • Plenty of experience with Hayt. Call 888-595-9111 and talk to a debt help lawyer, need to work through the facts but it sounds like you can be helped. No cost or obligation for the consult.

  30. Three years ago my husband and I had to do a voluntary repo due to a job loss and the finance company not being willing to work with us. The finance company sent us a letter stating when the vehicle was sold and for how much and since then – nothing. We haven’t had any contact with them nor a collection agency or lawyer until we received a warrant in debt. My question is can they sue us without ever trying to resolve or collect the debt directly from us?

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