Most creditors are required to go through the courts and win a judgment against you before they can get an income execution order and garnish your wages. Not all need the court’s help though.
If you have failed to pay income taxes in the past, are behind on child support payment, or have defaulted on student loans, your wages can be garnished to pay those debts without a court order.
While most creditors are only able to garnish 10% of your gross wage, or 25% of your disposable income, that’s not true for child support payments, where you can see your disposable income cut in half or more. For delinquent student loans, the Department of Education can separate you from 15% of your disposable income.
The good news is that there are limits on how much of your income can be garnished, so multiple creditors issuing income execution orders won’t all be entitled to pull 10% of your gross wages, but garnishment doesn’t have to happen at all.
Call the attorneys at Zelenitz, Shapiro & D’Agostino today at 718-599-1111to learn how to stop wage garnishment for good.