Wage Garnishments

Wall, NJ Wage Garnishment Relief Lawyer

Relief for Wage Garnishment in Wall, Toms River, & Beyond

Once you become overburdened by debt, you may start defaulting on payments to your creditors. Bills that become outstanding for a long period of time will eventually be turned over to collection agencies. These agencies often engage in aggressive harassment tactics to get you to pay. Should you not respond to these tactics, your creditors may decide to file a complaint in court to recoup their losses. This will lead to a court order to your employer for a wage garnishment. Thus, your income will be reduced by this loss of income leaving you with that much less to live on and to meet your monthly expenses. This can result in a downward spiral leading to serious financial distress.

If you are in this situation, we highly recommend that you turn to Cerbone Law Firm to discuss your entire financial scene. We can review all of your financial documentation in order to make recommendations that can address your economic circumstances and put you on a proper path toward financial recovery. With over 25 years of debt relief experience, we understand not only the circumstances that can lead to wage garnishment but the legal strategies that can be implemented to resolve it, put you in control of your financial scene, and relieve you of the stress and worry that accompanies overburdened debt.

Are you facing wage garnishment? Get a free consultation to determine your debt relief options at Cerbone Law Firm. Contact us online or at (732) 402-0088.

Alternatives to Wage Garnishment Relief Through Bankruptcy

If you are looking for wage garnishment relief without filing bankruptcy, there are some steps you can take including:

  1. Object to the Garnishment
  2. Respond to the Creditor's Demand Letter
  3. Seek State-Specific Remedies
  4. Get Debt Counseling
  5. Challenge the Underlying Judgment
  6. Attend the Objection Hearing (and Negotiate if Necessary)
  7. Continue Negotiating

Wage Garnishment in New Jersey

Wage garnishment for debts such as credit card debt, medical debt, and other unsecured personal debt can only be secured through a legal process conducted by your creditors. When these creditors obtain a court judgment, they will send it to your employer to implement. Employers are legally obligated to abide by these court orders instructing them to withhold some portion of your wages which then gets sent to the creditor. Wage garnishment can not only affect wages but other types of income as well, such as commissions and bonuses.

Wage garnishment can also be done by government tax agencies, such as the IRS to collect tax debts owed. Unpaid student loan debt as well as arrearages in court-ordered child support can lead to wage garnishment. These types of cases can be done without a court order.

Wage garnishment is subject to limits on how much of your income can be withheld by both the federal and state governments. Under federal law, your disposable income can only be garnished up to 25 percent. The state of New Jersey puts limits on how much of your income can be garnished according to your income level. If your income level is less than 250 percent of the federal poverty income standard, then garnishment cannot exceed 10 percent. If it is more than 250 percent, garnishment can be up to 25 percent.

How to Stop Wage Garnishment

One route to stopping wage garnishment is by filing for bankruptcy. Under a Chapter 7 or Chapter 13, an automatic stay will be put into place by the court that prohibits your creditors from making collection attempts. This includes the aggressive collection attempt of wage garnishment. This generally pertains to unsecured debt which may then be discharged through a Chapter 7 or reorganized and repaid over time through a Chapter 13. Other debt, such as that for child support or student loans, generally fall outside of this rule; for those, you will still be financially obligated which can lead to garnishment.

Discuss Your Debt Relief Needs with an Attorney at Cerbone Law Firm

To learn more about how ending wage garnishment works and how to get effective and long-term debt relief, you need to consult with our Wall, NJ wage garnishment attorney. Legal avenues do exist to end the stress, worry, and sleepless nights you may be experiencing from losing a percentage of your wages and other aggressive debt collection practices. Our priority is to help you find practical solutions to your burdensome debt and put you in control of your financial situation.

Connect with us online or at (732) 402-0088 today.

The Cerbone Law Difference

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  • We Have Over 25 Years of Experience

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