Wage garnishment in Illinois
Date: Tue, 06/08/2010 - 17:11
Hi there -
A couple years ago I got sued by a creditor for a vehicle that had been repossesed. Went to court, worked out payment arrangements, paid for a year, hit extremely hard times (cut out the sob story lol) and stopped paying. All of a sudden, (2 years later) I notice my paycheck is short. Come to find out there is a garnishment on it. In the tune of almost $400 a month it will be. I was never informed that I was going to have a garnishment. Nothing was ever sent to me, anything. I am a single mom with 3 kids, and can NOT afford to have this money taken out of my check. After rent, I will have about $500 a month for all other utilities, food, etc. Was I supposed to be notified that a garnishment was going to take place, or is it the norm for it to just appear? I am thinking I am going to have to file bankruptcy (credit is shot to to pieces as it is), and this is just kind of the straw that broke the camel's back. I also need to talk to my HR person, because the amount being taken out is WAY over the calculations I did on a garnishment calculator.
Can anyone help??
Thanks!
Laura
A couple years ago I got sued by a creditor for a vehicle that had been repossesed. Went to court, worked out payment arrangements, paid for a year, hit extremely hard times (cut out the sob story lol) and stopped paying. All of a sudden, (2 years later) I notice my paycheck is short. Come to find out there is a garnishment on it. In the tune of almost $400 a month it will be. I was never informed that I was going to have a garnishment. Nothing was ever sent to me, anything. I am a single mom with 3 kids, and can NOT afford to have this money taken out of my check. After rent, I will have about $500 a month for all other utilities, food, etc. Was I supposed to be notified that a garnishment was going to take place, or is it the norm for it to just appear? I am thinking I am going to have to file bankruptcy (credit is shot to to pieces as it is), and this is just kind of the straw that broke the camel's back. I also need to talk to my HR person, because the amount being taken out is WAY over the calculations I did on a garnishment calculator.
Can anyone help??
Thanks!
Laura
Your payment plan was probably a stipulation that prevented them
Your payment plan was probably a stipulation that prevented them from garnishing you or talking other action. Failue to follow your agreement gave them the right to move forward. Did you not sign papers? This should have all been outlined.
Quote:Originally Posted by SOAPLADYYour payment plan was probabl
Quote:
Originally Posted by SOAPLADY Your payment plan was probably a stipulation that prevented them from garnishing you or talking other action. Failue to follow your agreement gave them the right to move forward. Did you not sign papers? This should have all been outlined. |
Thanks for your response! I probably did... we met after court and I signed papers but in all honesty I don't remember what I signed. (dumb me!!!)
Guess I better look into finding a BK attorney... I can't see us being able to survive with this garnishment, another 4k in medical bills for my son, amongst the other debt. *sigh*
Thanks again!!