Debt Relief Industry Regulation / Legislation

In Ohio If You Are Working With a Credit Counselor You Can’t Be Garnished

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.

The Ohio statute defines a “budget and debt counseling service” as one formed under section 1702. Sorry for-profit companies, you are not included.


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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.

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