Minnillo & Jenkins, CO. LPA
Call 513-723-1600
For A No-Pressure, Free Consultation

What is wage garnishment and what are my legal defenses?

When a person sinks into debt, the stress of maintaining the lifestyle they have become accustomed to while simultaneously meeting their financial obligations can be overwhelming. Debt collectors can be relentless in making a difficult situation worse and it is easy to feel like you are in a hopeless situation.

The knowledge of an experienced bankruptcy attorney can be very helpful in assessing options presented to you by your creditors. Bankruptcy lawyers can help improve your position by explaining options that you may not have known about or were unsure if they could be applied to your situation.

Wage garnishment is a possible technique that can be used by debtors as part of a plan to work out of debt while avoiding a drastic change in your life so you can maintain some of what you have worked so hard to achieve.

Wage garnishment is a legal process where a percentage of the debtor's earnings are held back by the debtor's employer and paid directly to the creditor in an effort to repay the debt. 

Many debtor employees are wary of entering into a wage garnishment arrangement because it can seem invasive. The debtor has earned this money and so the feeling by many is they have a right to choose how to spend it. There is also often a fear that the employer’s knowledge of financial difficulties could affect continued employment.

It is a feeling of losing control that may steer some debtors away from this option, but having a knowledgeable bankruptcy attorney representing you when the wage garnishment agreement is being discussed can ensure your sense of control is not lost and inform you of your rights if your employer tries to use the garnishment order against you.

A bankruptcy attorney can help arrange the most lenient terms and set out a timeline so you are confident and comfortable with the procedure and can start looking forward to life after your debt is satisfied.

Source: Findlaw.com, "Wage Garnishment," Accessed Nov. 12, 2014

No Comments

Leave a comment
Comment Information
Email Us For A Response

How Can We Help You?

Bold labels are required.

Contact Information
disclaimer.

The use of the Internet or this form for communication with the firm or any individual member of the firm does not establish an attorney-client relationship. Confidential or time-sensitive information should not be sent through this form.

close

Privacy Policy

Contact us right now for a free bankruptcy consultation

NACBA - National Association of Consumer Bankruptcy Attorneys

Proud Member NACBA

We are proud members of the NACBA, a national organization dedicated to serving the rights of consumer debtors. Read More

Super Lawyers

Jenkins Named Super Lawyer!

Founding partner, Christian A. Jenkins, was selected by his peers and the media as a Super Lawyer. Read More

Cincinnati Office
2712 Observatory Avenue
Cincinnati, OH 45208

Phone: 513-723-1600
Cincinnati Law Office Map

Cincinnati Office
792 Eastgate South Dr
Suite 150
Cincinnati, OH 45245

Phone: 513-685-0612
Cincinnati Law Office Map

Fairfield Office
447 Nilles Rd
Suite 9
Fairfield, OH 45014

Phone: 513-795-0995
Fairfield Law Office Map

Covington Office
526 Philadelphia St.
Covington, KY 41011

Phone: 513-795-0995
Map & Directions