GCFS is Garnishing Me Again. Can They Do That?


Dear Steve,

I just received a letter from my employee on Saturday, and it stated GCFS Inc would be garnishing 25% of my pay.

I’m wondering how this is possible when this is the same company that has been garnishing from my wages for over 8 years now, and now they have restarted again. What is going on?



Dear Lawana,

That is an excellent question. If they are garnishing your wages again, then there must have been a second court case filed against you that you lost. Most people lose by not showing up.

I’m assuming this is actually a second garnishment and not a restart of the first one for some reason.

The notice your employer received may have information about the case that initiated this garnishment. Alternatively, check online to see if your county court allows you to search for cases and look for your name.

What is certain is you need to dig a bit deeper and find out what triggered this second judgment. Most states have a limit on how much can be garnished.

But, think about this, if you filed for bankruptcy, it would immediately terminate the garnishments and would have stopped the last one for the last 8 years.

I would strongly suggest you find a good local bankruptcy attorney and have a free discussion about what bankruptcy would mean for you. Bankruptcy is the fastest way to get a fresh start for the least amount of money.

A second mystery garnishment has appeared and does make me worry if there aren’t other liabilities waiting to jump out at you.


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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.
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