Recently I viewed my credit report and found that the creditor has reported to the bureau for an unpaid debt. I had a talk with my lender and he said that the company authorized to collect this debt will have the right to garnish my wages. I need to know my rights in this matter.

[ben]

Hi LB

A creditor has the right to garnish your wages for an unpaid debt. They will have to follow this procedure within the specific state laws. Though each state has its own garnishment provisions, some states do not allow any type of garnishment except for certain debt such as IRS taxes, government guaranteed student loans and child support.

If a garnishment is legal in your state, the creditor must obtain the court orders for a valid judgment before proceeding ahead.

Consult your attorney about the legal procedures in your state regarding wage garnishment. The state attorney general office will also be able to give any sort of clarifications on this subject.

Get some more info on wage garnishment at the thread given below.

http://www.debtconsolidationcare.com...hment-act.html

Can you tell me how much wages can be garnished in the state of Tennessee? Will they inform me in writing before the wages get garnished?

[ben]

I am not aware of the state laws that are followed in the state of Tennessee for garnishment. I will suggest you to take advice from the local attorney or from the attorney general office in your state. You can also get some free advice from the consultants here in this website. You will have to fill a free registration form and the consultant will place a call to you shortly.

http://www.debtconsolidationcare.com/signup/

Thanks for the help. Need to ask you one more thing. I am a military personnel. Can my wages be garnished because of a judgment obtained against me?

[ben]

If I remember correctly, wages of military personnel was made effective from April 3, 1994. The creditor has to obtain the judgment in the state where you are presently working and your payroll department has to be served this judgment.

The only thing that I feel will restrict you is the garnishment laws applicable in your state. Please verify if your state permits garnishment of your wages from your attorney or the attorney general ofice.

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[ben]

Hi derrick

Can you please elaborate your question?

You can refer to the thread given below and know more about the wage garnishment procedure.

http://www.debtconsolidationcare.com...hment-act.html