How to Stop a Wage Garnishment in Columbus Ohio
August 17, 2016 | WAGE GARNISHMENT
What to Do If Wages Are Being Garnished
It can be frightening to be threatened with the garnishment of your wages. We understand this and we can help. The first thing to do is to determine if the threat is actually real. Many of these threats can actually violate the Fair Debt Collection Practices Act and you can fight back.
If you have been threatened with wage garnishment, you need to:
- Determine if a lawsuit was filed against you.
- Find out if the party threatening you is the owner of the debt.
- Determine if the threat is coming from an attorney.
Before becoming concerned, get in touch with an attorney from our firm to discuss your situation. We can help you determine if there is reason to take defense or action against the threat.
If you are currently having your wages garnished, we can help you find relief. In order for a creditor to be allowed to pursue wage garnishment they must obtain a judgment from the court.
The times a court judgment is not required are:
- If you have unpaid income taxes
- If you have unpaid court-ordered child support
- If you are in default status of a student loan
Even at this point, there are limits to the garnishment that can take place in Ohio. No more than 25%of your disposable earnings can be garnished. This law is in place to ensure that you are able to pay your living expenses. There are some ways that you can put a stop to the garnishment of your wages. For example, filing for bankruptcy stops garnishment. Another method would be to create a debt consolidation agreement to help you stay on top of your debts. We can also help you challenge your debts and have the garnishment stop. To learn more about your options and how we can help,give us a call at (614) 344-6858.
You can start now with a free case evaluation.