PRESS-NEWS.org - Press Release Distribution
PRESS RELEASES DISTRIBUTION

How to Protect Yourself From Wage Garnishment in Ohio

In Ohio, you can protect yourself against wage garnishment in many ways, including bankruptcy.

2012-07-26
July 26, 2012 (Press-News.org) If you have ever gotten behind on your bills, you may have received a notice from your employer informing you that your wages will be garnished, which might make you think that your entire paycheck will go to paying off your creditors. Fortunately both federal and Ohio laws limit both the amount of money that can be garnished and how often garnishment can occur. In addition, there are certain measures you can take to avoid wage garnishment before it happens, including filing for bankruptcy.

Wage Garnishment and Legal Protections

Wage garnishment is the legal process of deducting money from your paycheck before you are paid to pay a debt that you owe. Basically, your employer is required to withhold a portion of your earnings because a judge has determined that you owe money and have not been paying the debt.

In Ohio, the amount that a creditor can garnish from your wages is capped. Ohio law limits the garnishment amount to 25 percent of your disposable earnings -- the amount that you earn each pay period once taxes have been taken out. If you pay child support, the amount that creditors can garnish from your wages is less.

In addition, Ohio law limits how often your paycheck can be garnished. Once one creditor has garnished your wages, no creditor can garnish your wages until 30 days have passed.

The types of income that can be garnished in Ohio are also limited. The following payments to you cannot be garnished:
- Workers compensation payments
- Unemployment benefits
- Disability payments
- Pensions up to $54,000
- Veterans' benefits
- Insurance proceeds such as life or group insurance

Avoiding Garnishment

Federal law protects you from losing your job because of wage garnishment. Nevertheless, garnishment makes life difficult on your employer due to the extra paperwork that is required. It is therefore preferable to avoid having your wages garnished, if possible.

Wage garnishment can only occur once a court has entered a judgment against you for money owed. If you receive a notice of a lawsuit or judgment, speak with an attorney right away. You might be able to negotiate a payment plan with them, avoiding garnishment.

If you cannot reach a deal with your creditor or pay off the debt in full, in Ohio, you can file a petition for an appointment of a trustee. If approved, you -- not your employer -- will pay a portion of your paycheck to the trustee who will then divide the portion between your creditors until the balance has been paid off. If you fail to make payments as agreed to the trustee, the arrangement is terminated and you will again be subject to wage garnishment.

If you are unable to make regular payments for your debt, bankruptcy may be a good option, if not the best one. If you receive a notice of a judgment or lawsuit against you, an experienced bankruptcy attorney can advise you about how bankruptcy will affect your particular situation and suggest the debt relief options available to you.

Article provided by Stamps & Stamps, Attorneys at Law
Visit us at www.stampsbankruptcylaw.com


ELSE PRESS RELEASES FROM THIS DATE:

Domestic Abuse Advocates Concerned About Proposed U-Visa Changes

2012-07-26
Ongoing political wrangling over reauthorization of the Violence Against Women Act (VAWA) has centered on several issues, notably the role of provisions that help immigrants who cooperate with police investigations. The House version of VAWA includes significant alterations to laws that help immigrants come forward to report domestic abuse. Under current law, a person who is married to an American citizen or legal resident who provides sufficient proof of abuse can confidentially seek a U-Visa without immigration officials informing the alleged abuser. Under the House ...

Elevator Accidents: Avoid the Risks Whenever Possible

2012-07-26
Unless you're a highly athletic person in great shape and in your twenties or thirties, taking the stairs to the floor where you work in a tall skyscraper is simply out of the question. Yet during recent years, two New York City elevator accidents have caused many workers to seriously reconsider how they get to and from their offices each day. Two Exceptionally Tragic New York City Elevator Accidents On Christmas day 2010, a woman named Deborah Jordan and her daughter went to SUNY Downstate Medical Center in Brooklyn to visit a friend. As the woman stepped into the ...

Easy to Spot Water Damage Prevention Tips for the San Diego Homeowner

2012-07-26
Homes are the biggest purchase that most consumers make, and protecting them is a job that requires preventive maintenance and professional assistance. Water damage is a common problem, and prevention is the key. However, there are some times that accidents occur, and Dry Express Restoration offers 24 hour service, quality workmanship and specializes in excellent customer service. Roofs are perhaps the most common source of water damage, and homeowners should be sure to pay close attention to ceilings. Often, small problems can be identified and repaired early on. Gutters, ...

ParentingBagofTricks Offers Free Report Revealing Sought-After Secrets to Parenting Toddlers

2012-07-26
Parenting Bag of Tricks has announced the release of its new free 27-page report entitled, "Understanding Your Toddler's Mind - What Every Parent Needs to Know". Inside this comprehensive report, moms and dads will find tools to parenting toddlers in today's media saturated world and surviving the terrible twos. From toddler tantrums to toddler play, parents will learn everything they need to know to nurture their growing child. "Understanding Your Toddler's Mind - What Every Parent Needs to Know" follows a unique approach to parenting toddlers. More ...

Raise a Glass for the Latest in Wedding Fashion at Next

2012-07-26
From what you would wear to a wedding to your favourite bridesmaid dresses and wedding shoes, the bloggers discussed their favourite trends over tea and cakes, whilst sharing their thoughts via social media with the hashtag #nextweddingtea. Particular favourite dresses included the floral lace pencil dress from the Winter Florals collection. The stunning pencil dress embraces a stylish red and navy floral design which works beautifully with the figure flattering lace skirt. Another was the printed mesh dress; think berry, blush and ochre shades. Complete the look with ...

BizOffice.com Announces Launch of New Directory for Small Businesses

2012-07-26
The BizOffice.com directory was developed as the website undergoes an ongoing transition from a static resource website to a dynamic and evolving one, delivering up-to-date resource articles allowing business owners to increase their returns and improve their business. With this evolution the site recognized a gap in it's ability to provide a resource area for small businesses and other small business resource websites to be featured. The directory page highlights twelve main categories: accounting, attorneys & legal services, human resources, marketing products/services, ...

Four Billion to Watch London Olympic Opening Ceremony

2012-07-26
In a day's time all eyes will be on London as an estimated global television audience of up to four billion tune in to watch the London Olympics Opening Ceremony. Entitled "Isles of Wonder" and taking place in the Olympic Stadium, the Ceremony will showcase the Best of Britain and will feature a parade of all 204 participating nations as well as the symbolic lighting of the Olympic torch. At 9pm on Friday 27th July the largest harmonically tuned bell in Europe will sound to kick off the London Olympics Opening Ceremony. Produced by East London's famous Whitechapel ...

Will Planetary Resources Really Have That Big of an Effect on Precious Metal Prices?

2012-07-26
While the price of precious metals remains high, there has been some fluctuation in the market recently. Overall, it's a good time in San Diego to visit a gold buyer. Even with these small ripples in price, the market is still at an all time high. Now is a perfect time to get rid of jewelry that you aren't wearing when you can get such a premium for your gold and silver. The prices of precious metals are predicted to stay high in the long term. There is always a bit of movement in the short term because the market is never solely governed by true 'supply and demand." ...

Crowd Sourcing Space Ping Pong Balls?

Crowd Sourcing Space Ping Pong Balls?
2012-07-26
On September 22 they all come together as part of a mission to the edge of space. A small California Aerospace organization is using the Kickstarter crowd sourcing website to fund sending a thousand student projects to 100,000 feet by balloon. http://www.kickstarter.com/projects/1569698176/1000-student-projects- ... e-of-space The thousand projects come from by kindergarteners, university professors, high school science classes and home schools kids. The projects are flown at no cost to the participant. All the projects fit inside ping pong balls. They call them ...

Westfield MK Series Grain Augers - 800-733-0275 - In Stock!

Westfield MK Series Grain Augers - 800-733-0275 - In Stock!
2012-07-26
Hamilton Equipment, Inc. - call 800-733-0275 - stocks all Westfield MK Series Grain augers and parts! Please see our exciting video, above! The new MK Flex series portable augers are designed to address the harvest needs of today's largest farms. With a hopper that can cover up to 287% more surface area than a conventional swing away and a patented double-joint design to reach and retract further, you're able to unload double hopper bottom trailers without moving the truck. A built in hydraulic hopper mover and swing cylinder takes all the work out of positioning ...

LAST 30 PRESS RELEASES:

Thirty-year mystery of dissonance in the “ringing” of black holes explained

Less intensive works best for agricultural soil

Arctic rivers project receives “national champion” designation from frontiers foundation

Computational biology paves the way for new ALS tests

Study offers new hope for babies born with opioid withdrawal syndrome

UT, Volkswagen Group of America celebrate research partnership

New Medicare program could dramatically improve affordability for cancer drugs – if patients enroll

Are ‘zombie’ skin cells harmful or helpful? The answer may be in their shapes

University of Cincinnati Cancer Center presents research at AACR 2025

Head and neck, breast, lung and survivorship studies headline Dana-Farber research at AACR Annual Meeting 2025

AACR: Researchers share promising results from MD Anderson clinical trials

New research explains why our waistlines expand in middle age

Advancements in muon detection: Taishan Antineutrino Observatory's innovative top veto tracker

Chips off the old block

Microvascular decompression combined with nerve combing for atypical trigeminal neuralgia

Cutting the complexity from digital carpentry

Lung immune cell type “quietly” controls inflammation in COVID-19

Fiscal impact of expanded Medicare coverage for GLP-1 receptor agonists to treat obesity

State and sociodemographic trends in US cigarette smoking with future projections

Young adults drive historic decline in smoking

NFCR congratulates Dr. Robert C. Bast, Jr. on receiving the AACR-Daniel D. Von Hoff Award for Outstanding Contributions to Education and Training in Cancer Research

Chimpanzee stem cells offer new insights into early embryonic development

This injected protein-like polymer helps tissues heal after a heart attack

FlexTech inaugural issue launches, pioneering interdisciplinary innovation in flexible technology

In Down syndrome mice, 40Hz light and sound improve cognition, neurogenesis, connectivity

Methyl eugenol: potential to inhibit oxidative stress, address related diseases, and its toxicological effects

A vascularized multilayer chip reveals shear stress-induced angiogenesis in diverse fluid conditions

AI helps unravel a cause of Alzheimer's disease and identify a therapeutic candidate

Coalition of Autism Scientists critiques US Department of Health and Human Services Autism Research Initiative

Structure dictates effectiveness, safety in nanomedicine

[Press-News.org] How to Protect Yourself From Wage Garnishment in Ohio
In Ohio, you can protect yourself against wage garnishment in many ways, including bankruptcy.