Wage Garnishment in Queens
Wage garnishment is a form of debt collection used by creditors. They can receive an order from the court, which mandates that an employer withhold an individual’s earnings until the debt has been repaid. An individual must be properly notified of this judgment prior to having wages garnished.
The Consumer Credit Protection Act (CCPA) protects you from being fired by your employer because of wage garnishment. It also limits the percentage of earnings that can be withheld from you, depending on factors like the type of debts owed and your “disposable income.” This is your income after subtracting certain deductions like Social Security and taxes. Social Security and other benefits cannot be garnished.
Take a Stand Against Wage Garnishment
Wage garnishment can be especially worrisome and embarrassing because creditors are now involving your paycheck and your employer. But you do not have to face it alone. A Queens bankruptcy lawyer can help you take action to protect your earnings. They can determine if you have grounds to vacate a judgment, which will stop the creditor from garnishing your wages. If you decide to file for bankruptcy, wage garnishment proceedings by creditors will be stopped as soon as you file with the court. This is because of the automatic stay that goes into effect the moment you file for bankruptcy. You may even have seized wages returned to you depending on your case and the type of bankruptcy you file.
Queens Bankruptcy Lawyer Bruce Feinstein, Esq.
Queens Bankruptcy attorney Bruce Feinstein, Esq. and his team are experienced advocates, and they will help you if you are faced with wage garnishment. For over 15 years they have worked with clients who are dealing with the consequences of uncontrollable debt. They can take you through your options for paying debts, and if you decide to file for bankruptcy they will be dedicated to helping you get back on your feet. The firm treats every client with respect and offers individual attention to ensure quality representation.