Subscribe to our mailing list

X

My Son Got Out of Prison and Has a Wage Garnishment He Can’t Afford

By on April 4, 2019

Question:

Dear Steve,

My 28 year old son was released from prison a year ago. He is a waiter at a restaurant and his weekly pay is about 300 ( not including tips) he is not allowed internet access so he got a letter about 3 months ago saying his wages are subject to be garnished he tried calling to no avail and now they are garnishing 50 per week or 200 per month.

That’s pretty steep for him.

He wants to pay back the loans but at a lesser amount. Who can he contact? Can wage garnishment be reversed?

Thank you

Laura

Answer:

Dear Laura,

As with all legal questions, I’m not an attorney so you would need to talk with an attorney licensed in your state to get legal advice.

In general, if this is for a wage garnishment that is not related to federal student loans the amount he can be garnished is typically established by state and/or federal law.

A wage garnishment is typically the result of a lawsuit which the person typically loses because they never show up to fight it. The creditor then asks the court for permission to garnish wages.

So to fight the garnishment you’d have to talk to a lawyer in your state to try and go back and unwind the original suit. It might just be that your son was not properly served when he was originally sued.

But as I’m sure you know, justice is expensive. A lawyer is going to charge you for professional services. One place you can look for an attorney is by clicking here.

There may also be an opportunity to settle the debt for less than the full balance. This would typically require a full payment of the reduced rate settlement or a shorter monthly payment schedule. Settlements can be negotiated even after the loss of a court case and wage garnishment. It can just harder to score a great settlement at that point.

READ  I Can't Afford a Lawyer to Stop My Wage Garnishment in Kentucky

morehelp1
Choice1 Choice2 Choice3 Big Hug!
Get Out of Debt Guy - Twitter , G+ , Facebook
If you have a credit or debt question you'd like to ask just use the online form .

Last step, fill out the information below or call us for Priority Assistance.

What problems are you having with your report?

Your first name is required. Your first name is required to be at least 2 characters. Your first name cannot be longer than 50 characters.
Your last name is required. Your last name is required to be at least 2 characters. Your last name cannot be longer than 50 characters.
Your email is required.
Your phone is required. Your 10 digit phone number is required.
Your state is required.
Your age is required. Your age must be greater than 18. Your age must be less than 100.

By clicking on the "Contact Me" button above, you consent, acknowledge, and agree to the following: Our Terms of Use and Privacy Policy and to receive electronic communications. We take your privacy seriously. That you are providing express "written" consent for Debt.com or appropriate service provider(s) to call you (including through automated means; e.g. autodialing, text and pre-recorded messaging) via telephone, mobile device (including SMS and MMS - charges may apply), even if your telephone number is currently listed on any internal, corporate, state or federal Do-Not-Call list. Consent is not required as a condition to utilize Debt.com services and you are under no obligation to purchase anything.

By clicking on the “Contact me” button above, you consent, acknowledge, and agree to the following: (1)That you are providing express “written” consent for Lexington Law Firm, Debt.com or appropriate service provider(s) to call you (including through automated means; e.g. autodialing, text and pre-recorded messaging) via telephone, mobile device (including SMS and MMS – charges may apply), or dialed manually, at my residential or cellular number, even if your telephone number is currently listed on any internal, corporate, state or federal Do-Not-Call list; and (2)Lexington Law’s Privacy Policy and Terms of Use and Debt.com’s Terms of Use and Privacy Policy. Consent is not required as a condition to utilize Lexington Law or Debt.com services and you are under no obligation to purchase anything.

About Steve Rhode

Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.

2 Comments

  1. Laura

    April 4, 2019 at 2:05 pm

    Question asked.

Share a Comment / Leave a Reply

%d bloggers like this: