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Garnishments
At Orr Legal, we can help defend you against a wage garnishment. Creditors may have an unfair advantage over consumers but we know how to fight back. If you did not receive prior notice of the default judgment, contact us today to see how we can help.
What is Garnishment?
If you have failed to make payments on a credit card or any other type of loan, you may face the risk of having your wages garnished. This occurs when the creditor takes legal action to secure a default judgment. Subsequently, the court will issue an order directing your employer to withhold a portion of your wages and transfer it directly to the creditor until the debt is settled.
Creditors are permitted to garnish up to 25 percent of your earnings (after deductions) or the amount by which your weekly earnings surpass 40 times the hourly minimum wage, whichever is lower. Despite the complexity of this regulation, you could witness a significant deduction from your paycheck, depending on your weekly income.
If your wages are currently being garnished without proper notification, we can represent you in court to halt the garnishment, assist you in seeking a reduction in the garnished amount, or persuade the judge to terminate the garnishment altogether. The sooner you reach out to us, the sooner we can safeguard your income.
How to Resolve a Garnishment?
Orr Legal specializes in resolving issues related to default judgments. If you find yourself facing wage garnishment due to a default judgment, our services can provide the necessary assistance to stop it. Debt collectors often resort to unethical practices such as using incorrect addresses or misleading the court regarding notice of a lawsuit, and we are well-equipped to address these problems effectively.
Our services allow you to safeguard your rights and reverse wage garnishments. It is crucial to take prompt action as there are time limitations imposed by the law for challenging a default judgment. Once the judgment is vacated, we can then proceed with negotiating a debt settlement with your creditor or defending against the debt collection lawsuit.
Additionally, our services extend to support in fighting a notice of renewal of judgment. However, it is essential to file the necessary court papers within 30 days of receiving the notice. If successful, the judgment will expire, and the associated debt will be eliminated.