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how do crediters figure there 25% garnishment off of a paycheck do they go before taxs or after them

is'nt there any law protecting us when it comes to garnishment. when you have a family and just getting buy how can they take money from you. if i could pay the bill i would have. now they are just garnishing the pay ck every month of 25% a wk and in no time they will have all there moeny paid to them and more. the bill was only 500 and with late charges and fees they brought it up to 989. why can'nt obama pass somthing to help us out. he sure helped the big banks out. i do not know how we are going to live. it took all i could get to pay the bankrupcy lawyer there fees of 1,700.00 plus another 50 for court fees that are added on. we will end up getting kick out of our rental place. i do not have any thing to sell becasue we do not have any thing and family will not help out. they say you made your bed now you lie in it. from both sides. i do not know what to do. the more moeny hubby makes the more they get.

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Asked by Anonymous at 4:08 PM on Dec. 16, 2009 in Money & Work

Answers (4)
  • find some side jobs that pay cash is all I can think of

    Answer by peanutsmommy1 at 4:12 PM on Dec. 16, 2009

  • They can take the money because you signed a legal contract and then violated that contract. The contract stated you could face the full penalty allowable by law in your state if you violated it when you signed it. And the creditor doesn't figure the 25%, your employer does. When the judgment was entered, your employer was sent paperwork that is the equivalent of a subpoena, requiring them to provide detail info on your work schedule, pay, etc, and informing them that they must deduct 25% of your check or they can be sued. Ultimately it depends on which state you're in and if there are any other deductions ahead of their garnishment (child support, etc). There is a minimum amount you have to make - if your income falls below that they are not allowed to deduct anything.

    If you want to file bk, do it yourself, pro se. Don't pay the lawyer. You still have to pay court/credit classes, but it's cheaper.

    Answer by NotPanicking at 4:14 PM on Dec. 16, 2009

  • i have already paid the bankrupcy lawyer in full last tuesday for chapter 7 i am all ready to go . now i am just waiting on them to get every thing filed in the court and sign the papers. my lawyer told me this could happen. i am just so scared.

    Answer by Anonymous at 4:26 PM on Dec. 16, 2009

  • Im sorry you are going through this.Unfortunately it seems like there is nothing that can be done.If I were you,if you have anymore debt,I would get with a financial planner or a credit counselor.We have debt,but they are currently working with us.

    Answer by Nattiesmom9603 at 4:43 PM on Dec. 16, 2009

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