Debt is a self-perpetuating cycle. It is often impossible to get out of on your own. Wage garnishment, in particular, can feel like quicksand. As a Memphis wage garnishment lawyer, I’m here to help you, from the beginning all the way to the end of this progression.
Wage garnishment is when a certain amount of money from your paycheck is deducted automatically, due to a court order. It can continue until any and all debts are paid off. Debt can happen to anyone, as I often say. Throughout my long career as a Memphis wage garnishment lawyer, I have met many people who’ve suffered from wage garnishment through no fault of their own.
I see folks struggling with student debt who have not been able to pay off their loans due to a lack of steady work. Unfortunately, the U.S. Department of Education can garnish up to 15% of your disposable income to collect on defaulted student loans.
Health problems are another common source of wage garnishment. One client had a health problem that set the whole family back. They went deep into medical debt. Unfortunately, as she tried to pay it off, she had to rely heavily on credit cards. Credit card debt typically requires a court order to garnish wages. In her case, the credits were granted permission to collect from her paycheck.
Not all creditors need a court order. The following are empowered to garnish your wages:
- State and federal government offices
- Federal student loan collectors
- Child support orders
Talk to a Wage Garnishment Lawyer Memphis TN Trusts
Bankruptcy will interrupt the cycle of debt and offer relief from even the most seemingly impossible situations. Wage garnishment can be devastating, so if you are at all behind on payments, it’s best to seek legal help sooner rather than later.
Our attorneys would love to talk to you and explore your options. We want to help you get out of debt, and move forward with full financial freedom. Call (901) 327-2100 or contact us online today.