garnishment

Date: Tue, 02/03/2009 - 05:46

Submitted by anonymous
on Tue, 02/03/2009 - 05:46

Posts: 202330 Credits: [Donate]

Total Replies: 2

If a creditor has filed a garnishment for $500 per month and you have been paying them $100 per month and they have accepted the $100 for 6 consecutive months can they still file the garnishment and get the $500 per month??

reply

they can try,but if economically it's something you can't do.then it's not guaranteed the creditor will get the 500.00 they are seeking.it also depends on what state you are in.some states don't allow garnishment except for student loans,tax debt,and maybe child support.what state are you in?

lrhall41

Submitted by paulmergel on Tue, 02/03/2009 - 05:50

( Posts: 15514 | Credits: )

To add to Paul's post, unless they get a court judgment in their

To add to Paul's post, unless they get a court judgment in their favor, garnishment is voluntary. I would go to your HR Dept. and let them know that you have already made arrangements in a responsible manner with this creditor and request that they deny the garnishment request.

I would also send a letter (Certified Mail) to the debtor stating in a firm manner that you have already made arrangements with that creditor that the creditor accepted, and that you hope to come to an immediate understanding on this matter. Don't let them run over you, fight them! You are trying to be responsible and take care of your debt. "CC:" that letter to your HR dept.

If they then try to file a judgment, this will be good ammunition in your favor.

Hope this helps.

chrys

lrhall41

Submitted by Chrys Henderson on Tue, 02/03/2009 - 22:46

( Posts: 2538 | Credits: )