What is Wage Garnishment in Georgia and How Does It Work?
A garnishment, sometimes known as a “wage attachment,” is a legal method for a creditor to collect money owing to them directly from your paycheck. In essence, a court directs your employer to withhold funds from you and instead send them to your creditor.
Why Does It Happen?
When you fall behind on your payments, your creditors might use wage garnishment to try to get their money back. Creditors will receive money directly from your employer, which will be allocated to the debt you owe, if you secure a court order.
How to Stop wage garnishment in Georgia?
By filing for bankruptcy, you can legally and promptly prohibit creditors from garnishing your wages. The court will order your creditors to cease all collection efforts as soon as you file a petition for Chapter 7 or Chapter 13 bankruptcy. Not only will lenders be prohibited from garnishing your wages, but they will also be prohibited from contacting you. People frequently dismiss bankruptcy as a debt relief option because they believe they would be forced to give up all of their possessions. Clients of DebtStoppers, on the other hand, almost never lose anything! You may wipe all your debts, secure your paycheck, and keep your home by filing for bankruptcy.
What Happens After You Pay a Wage Garnishment?
When a creditor obtains the right to garnish your wages, they can withhold money from your paycheck until the debt is fully paid. When the debt is paid in full, your creditor should tell your employer to stop garnishing your wages.
How Do You Check Your Account Balance?
If you’re asking just how longer your money can be garnished, you can figure it out using one of the following methods:
- examine the garnishment writ and remove the amount you’ve already paid from the total amount due;
- if you don’t have a copy of the writ, you can ask the court clerk or your employer for one;
- some states require lenders to send you a report on the amount garnished on a regular basis;
- you can ask the court for an accounting if your state does not require it;
- inquire about the outstanding debt with your creditor.
Which Creditors Have the Power to Seize Wages?
Although most creditors have the authority to garnish your income, some must first file a lawsuit and get a judgment and court order before they may do so. Without a court order, a creditor can garnish your salary for the following categories of debt:
- student loan payments made by the government;
- child support and alimony that has not been paid;
- taxes owed.
Because the debt is owed to government entities, which can issue their own garnishment orders, your earnings can be taken for student loans, domestic support payments, and back taxes without a court order.