Defend Debt Lawsuits & Fight 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 a debt collection lawsuit? 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?

Garnishment and Collection Lawsuit Help: Knowledge is Power

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.

customer_serviceDebt 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.

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:

 
  • Silence creditors and bill collectors
  • Get rid of credit card debt
  • Stop a current wage garnishment
  • Stop a foreclosure or auto repossession
  • Resolve auto loan deficiencies
  • Satisfy old judgments
Get a fresh start with a permanent and lasting solution through debt settlement or bankruptcy and begin on the road tofinancial freedom today!

Don’t go it alone and lose, put an experienced Debt Help Lawyer on your side. Low fees, great service.

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.

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Comments

  1. Sandra Tinlin says

    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?

    • says

      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.

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