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Key Facts About Wage Garnishments


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Wage garnishment typically occurs when a creditor obtains a court order to collect a debt directly from your paycheck. Federal and state laws limit the amount that can be garnished from your wages, ensuring that your basic living expenses are covered. Understanding these limits can help you manage your finances better and ensure that you can maintain financial stability.

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You have several legal rights when it comes to wage garnishment. You must receive a notice before the garnishment begins, and you have the right to dispute the garnishment if it is incorrect or unfair. Certain types of income, such as Social Security benefits and disability payments, are generally exempt from garnishment. Being aware of these protections can help you safeguard your income.

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There are several ways to stop wage garnishment. You can negotiate a payment plan with the creditor, which may result in the garnishment being lifted. Filing for bankruptcy can also halt wage garnishment, although this option requires careful consideration and legal advice. If the garnishment is causing severe financial hardship, you may be able to file a claim of exemption to reduce or eliminate the garnishment, providing immediate financial relief.

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