How to prevent and stop wage garnishment

One of the most unfortunate results of a person's inability to pay financial obligations is the possibility of wage garnishments.

2013-02-15

February 15, 2013 (Press-News.org) How to prevent and stop wage garnishment

Article provided by The Ford Law Firm, PLLC
Visit us at http://www.forddebtlaw.com

One of the most unfortunate results of a person's inability to pay financial obligations is the possibility of wage garnishments. A wage garnishment is where a creditor, after many unsuccessful attempts to collect a debt, gets a court order to obtain an owed amount from the person's paycheck.

Wage garnishment can be a very uncomfortable experience because it can interfere with other financial obligations. The process may also cause embarrassment because the consumer's employer will be aware of the financial situation. Residents in Collin County should make every attempt to avoid having their wages garnished.

How to avoid wage garnishments

The best way to deal with wage garnishment is to avoid it all together. It's important to keep the following suggestions in mind to avoid ever being in the position where a creditor can take money directly from each paycheck:
-Only borrow what's needed, avoid unnecessary lines of credit.
-Stay in contact with the creditor--even when it's not possible to pay off the whole debt, going on a repayment plan that you can maintain will prevent the creditor from seeking alternative ways to collect the debt.
-When making payments on outstanding debts, make the ones in the worst standing the priority before other accounts.

How to stop wage garnishments

When a consumer has already had a creditor attempt or succeed in garnishing wages, there are still steps a person can take to avoid further garnishment.
-If a judgment for wage garnishment has already been granted, a person can always ask the court to reduce the amount of garnishment if it's interfering with the person's ability to meet basic needs.
-Consumers can seek the help of a local attorney and discuss debt relief options like negotiation or a bankruptcy filing.
-Attempt to reach a payout agreement with the debt collector.

Getting professional help will help determine whether the debt is manageable through negotiation, or whether there is a more appropriate alternative like filing for bankruptcy. An experienced Collin County attorney can help residents make the decisions that will be the best for a strong and responsible financial future. These debt relief options can include consolidation or settlement of the outstanding debt, overall financial management planning and even Chapter 7 or Chapter 13 bankruptcy filings. A lawyer can help each family decide the best course of action for each individual financial situation.

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How to prevent and stop wage garnishment

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