Jackson Philips
Date: Wed, 11/28/2007 - 07:06
In order to garnish your salary they would need a court order. I
In order to garnish your salary they would need a court order. I dont think that they can take 60% . It seems like a lot. Is the debt yours? have you had it validated?
Federal Law (CCPA) Forbids Garnishment in Excess of 25%
With the exception of a few obligation types, e.g., student loans, wages cannot be garnished without a court order. In some states, PA & TX, e.g., wage garnishment is forbidden and so is its false threat. (Wages can be garnished by federal law over state law regarding student loans.)
A consumer who is falsely threatened with wage garnishment in excess of the federal cap violates the fdcpa. Some states, NJ, e.g., limit garnishment to 15% of disposable wages (gross - required deductions).
If you are a PA or NJ resident experiencing false collection threats, please email me.
Under the Consumer Credit Protection Act, a consumer debtor's wa
Under the Consumer Credit Protection Act, a consumer debtor's wages can only be garnished to 25% of disposable income (gross - required deductions). The CCPA also forbids employers from discriminating against consumer debtors who have ONE garnishment. The law does not protect those consumers whose creditors are trying multiple garnishment. (Employer can only deduct one garnishment at a time; other creditors have to wait their turn.)