Are you struggling with bills you can’t pay and falling behind? Well then, you may be at risk of a wage garnishment.

Any unsecured debts are subject to wage garnishment. And by unsecured debt, I mean debt that’s not backed by collateral.

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You see, when you have a mortgage or car payment, there’s property the bank can take back from you — your house or car respectively — if you don’t make your payments. That’s “secured” debt.

There’s no such property with unsecured debt, which is why the creditor resorts to wage garnishment.

The most common examples of unsecured debt collected through wage garnishment is credit card and medical bills. But there are other examples too. I talk about this subject in the video below.