What Everyone Should Know About Wage Garnishment
Wage garnishment is the biggest fear most people have when they find themselves in overwhelming debt, and for good reason. Losing a chunk of your income every payday can really hurt. Some people have even received calls from creditors who threaten to start garnishing their wages immediately if that person isn’t able to make a payment. But while garnishment is often used as a threat, it’s not so easy for a creditor to start garnishing your wages. Here are two things everyone needs to know about wage garnishment.
pleasant outcome, but it’s also not something that can happen overnight. Creditors have to sue you first before they can do anything more than call and annoy you.
There are very rare exceptions to these rules. If your debt is associated with student loans, child support, or the IRS, there are different rules you need to be aware of. However, in most cases, though wage garnishment is scary, it’s not the automatic end for your situation. There’s a lot of misinformation out there, and creditors benefit from people not knowing the rules of debt and wage garnishment. That’s why it’s important to get help from someone who is an expert in this area of law. If you’re worried your wages could be garnished, call
2. Bankruptcy can put a stop to wage garnishment.
If your debt is dischargeable, filing for bankruptcy can stop wage garnishment, even if that garnishment has already started.
1. Creditors can’t garnish your wages automatically.
205.705.3590 to talk to an experienced bankruptcy lawyer about your fears. Learn the truth about your situation and what you can do
Garnishment can only happen after you’ve been sued by a creditor for a collection matter and had a judgment placed against you by the court. At this point, the court will send an order to your employer’s payroll departments to withdraw a portion of your income — typically 25 percent — to pay your creditors. This isn’t a
to protect your paycheck.
RECIPE:
No. 1 Dad Hash Browns
INGREDIENTS:
• ● 1 stick (1/2 cup) unsalted butter, or 6 tbsp ghee • ● 3 russet potatoes (about 1/2 lb.), peeled • ● 1 tsp Kosher salt, plus more to taste
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Freshly ground black pepper, to taste
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● Pinch of cayenne pepper, plus more to taste
Psalm 103:13 “Like as a father pitieth his children, so the Lord pitieth them that fear him.”
DIRECTIONS:
1. In a small saucepan, heat butter over medium heat until foamy. Reduce heat if needed to avoid browning. Skim off white milk solids to make clarified butter (ghee). Transfer to a bowl and reserve. (This step won’t be needed if using ghee.) 2. Using the large holes on a box grater, grate potatoes. Transfer to a large bowl of cold water and stir until water becomes cloudy. Rinse potatoes under cold water, then squeeze out liquid using cheesecloth or a kitchen towel, removing as much moisture as possible. Season potatoes. 3. In a large nonstick skillet, heat ghee to medium-high. Add potatoes and cook until a crust forms underneath, about 5 minutes. Using a rubber spatula, break up potatoes and continue to cook, adding more ghee if potatoes begin to stick. 4. Cook until golden brown and crisp, about 8 minutes. Drain on paper towels; season with salt, pepper, and cayenne to taste. Serve.
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Inspired by Bon Appétit
Phone: 205.705.3590
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