Multiple Garnishment Question

What state do you live in? Student loans can't be included in bankruptcy anyway, regardless of if it was already actionable or not. If you pay the balance due before the garnishment goes through, you'll likely be OK. What percentage is already being taken out of your check? Who do you work for that would fire you for having a garnishment? That's BS :)

Hi - I already know the Student loan isn't covered under Bankruptcy and I'm trying to work it out with the CA but I was told that a notice of garnishment had already gone out to me. After having been unemployed for over a year, I just go this job about 4 months ago. I live in NY, but my employer is based in Illinois, and I read that having more than one wage garnishment can be grounds for termination - because of that, I thought it best I just pay the smaller outstanding judgement (a credit card) off. The Ed garnishment would be 15% of disposable income which amounts to about $150 per pay check. The existing judgement amounts to about $100 or 8% of my gross pay each check - not a huge amount.

It is against Federal law to fire you for being garnishment.

The CCPA prohibits an employer from firing an employee whose earnings are subject to garnishment for any one debt, regardless of the number of levies made or proceedings brought to collect that debt, because of the single garnishment. The Act does not prohibit discharge because an employee's earnings are separately garnished for two or more debts.

So basically, my question is if I pay off the first garnishment, am I still subject to possible termination even if there is only one active garnishment remaining through HR?

No, because if you pay off the first garnishment, then you won't have 2. My advice is to do it quickly.