what states cannot garnish your wages for credit card debt?

Answer 1

Whether a creditor can or cannot garnish your wages is governed by the laws in your state. Each state has enacted laws setting forth which property is protected from creditors and which property can be seized by creditors. A few states do not allow any wage garnishment whatsoever, but even those states that do regulate how much can be garnished from a person's wages in order to allow that person to have something left over to live on, although most people have a hard time living on what is left over after their wages are garnished. There is also federal legislation regulating wage garnishments. Your particular state might follow the federal guidelines.

Note that wage garnishment laws do not usually apply when you owe money to the state or federal government. Therefore, even if you live in a state that prohibits wage garnishments, such as Texas, you can have your wages garnished to repay a student loan or child support. In fact, almost all states vigorously pursue money owed to them or to pay child support.

Credit card companies, hospitals, debt collectors and others will also seek a wage garnishment to recover debt provided that it is legal for them to do so in the state where the debtor resides and the debt is sufficient enough to warrant a wage garnishment. Check the laws in your state regarding wage garnishments by clicking on the link below to find out about YOUR particular state.

Answer 2

It is my understanding at this time 11-14-06 that Texas and Florida are the only states that do not allow garnishment for private debt. The exceptions to this are child support, IRS and state income taxes, and student loans. There may be other exceptions that I am not aware of. I live in Texas and have much experience in this area. It is hard to collect on a judgment in Texas unless you know how to use the post judgment process. Most plaintiffs will not go that far. I know that if you live in a state that allows garnishment, if you own a debt you unless you file bankruptcy it is in your best interest to pay the debt. These new styled collection agencies skirt the state and federal laws and can make your life a living hell.

Answer 3

I have been processing mortgage loans from all over the country for years and have never seen a garnishment for a credit card. I don't believe they can garnish your wages. They will threaten to garnish your wages, take your house, car or bank accounts. Some even threaten people with jail, but they can't do that. Those are just scare tactics they use to try to get you to pay.The only thing they can do is turn your account over to collections or charge it off. The only garnishments that I have seen in all my years are for child support or back taxes and you don't even see those too often.

Answer 4

To make this an person-friendly answer. I take human beings to court constantly, garnish their wages and placed liens on their sources. the business enterprise could get a judgment before the can garnish your wages. SLIMICK is right whilst he says you are able to no longer do employment verification by potential of pulling someone's credit; regardless of the undeniable fact that, an astounding sort of circumstances as much as date employment is on someone's credit document. i take advantage of this technique to track human beings down constantly. in case you quite think of they be attentive to the place you paintings, or in case you ever desire to owe a house, or build your credit then i'd attempt to make arrangements to pay. yet, do no longer supply the business enterprise any new very own suggestions: employment, new handle, do no longer pay with a credit card or a private verify.

Answer 5

I didn't know any states could garnish your wages for credit card debt. child support yes sometimes lawsuits yes