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

How wage garnishments work

When consumers in Ohio fall behind on their bills, one route creditors can take to recover the debt is through wage garnishment. This may be a term you have heard on television or in movies, but how does it actually work? Creditors cannot simply take money from you. There is a process that they must follow.

Whether you are a month or a year behind on your bills, creditors must schedule a court hearing for wage garnishment. You will be notified of the time and date; this is your time to state your case and explain why your wages should not be touched. If the courts side with you, creditors will have to resort to other means of debt collection. But if the courts find wage garnishment to be right, your employer will be notified to withhold a portion of your paycheck and instructions for sending it to the creditor.

 

For most consumer debt, the maximum that can be taken out of your paycheck is 25 percent or 30 times the federal minimum wage, whichever is less. If you are behind on child support, however, you could lose up to 60 percent of your wages. Even if you have three credit card companies trying to garnish your wages, they must wait in line if the first is taking their quarter. You income counts as any money coming in after taxes. The deductions will continue until the debt is paid in full.

If you are facing wage garnishment, you may not be defenseless. A bankruptcy law attorney may be able to help you fight the Ohio courts.

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