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
Alternatives to Wage Garnishment Relief TBankruptcy
If you are looking for wage garnishment relief without filing bankruptcy,
there are some steps you can take including:
- Object to the Garnishment
- Respond to the Creditor's Demand Letter
- Seek State-Specific Remedies
- Get Debt Counseling
- Challenge the Underlying Judgment
- Attend the Objection Hearing (and Negotiate if Necessary)
- Continue Negotiating
How Does Wage Garnishment Work?
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.