Medical wage garnishments in TN

[QUOTE]

• Only 25 percent of an individual's wages can be garnished. The remaining 75 percent, plus an additional $2.50 for every child under 18 who resides in the individual's home, is considered exempt from garnishment by the state of Tennessee.
  
  
  

I think my friend has just "accepted" and is considering it that it will be paid off that much faster. My concern is that they are endangering their primary job due to the 2nd job's hours... I mean, I can function off of 1hr or less sleep a night but they can not.
Would you suggest their first action to be going to their HR department? My thought is that they should have kicked something back to the collection agencies notifing them that the amount exceeded the 25% so they should be involved in clearing this up... correct? Also, since this does exceed the 25%, it is possible they are being charged more interest than "allowed"? Simply said, if they were able to pull off close to 70% garnishment, what would stop them from charging 20% vs the max allowed 10% (if I am reading things correctly). In that case, it may be possible they may have the collection amount lowered or possibly dismissed?

We cant speculate without knowing all the details. Your friend needs to talk to their payroll department first. They should look up the Tennessee garnishment laws (google it) and take a copy.