Quick Answer: Ohio statute 2716.03 prevents wage garnishment against debtors enrolled in credit counseling agreements with nonprofit budget and debt counseling services. Creditors cannot garnish wages unless payments are more than 45 days overdue or the counseling agreement has been terminated.
And here is one of those little odd facts that appears from time to time that I never knew. Yes, I still learn new stuff frequently as well.
The Ohio statute 2716.03 Commencing proceeding for garnishment of personal earnings says:
No proceeding in garnishment of personal earnings shall be brought against a judgment debtor for the collection of a debt that is the subject of an agreement for debt scheduling between the judgment debtor and a budget and debt counseling service, unless any payment to be made by the judgment debtor, or by a budget and debt counseling service to the judgment creditor under the agreement for debt scheduling between the judgment debtor and the budget and debt counseling service, is due and unpaid for more than forty-five days after the date on which the payment became due, or unless the judgment creditor previously was notified by the service that the debt scheduling agreement between the judgment debtor and the service was terminated.
Most money news tells you what happened. I tell you what to do about it.Every weekday I read the enforcement actions, filings and fine print the outlets skip, and turn them into the one or two moves that actually improve your position — a rate worth moving for, a fee you can refuse, a deadline to beat before it costs you.
In the latest issue (Oct 8): A parent's nursing home bill can become yours
I write Your Money Actually most weekdays — actionable money information you will not find anywhere else, and the small decisions that compound. It is free, I sell nothing, and I take no money from any company I write about.
The Ohio statute defines a “budget and debt counseling service” as one formed under section 1702. Sorry for-profit companies, you are not included.
I can always use your help. If you have a tip or information you want to share, you can get it to me confidentially if you click here.
Dealing With Debt? Understanding your options is the first step. See how all your debt relief options compare — including ones most sites won’t tell you about. The Find Your Path quiz gives a recommendation based on your actual numbers, and the Scam-O-Meter checks any company’s complaint history before you sign. Federal Reserve research shows bankruptcy filers recover faster than those who don’t file.
Where can I find reputable ohio credit counselors?
You can get credit counseling help and information here.