Having your wages garnished can really put a strain on your ability to provide for yourself and your family. To get help living debt-free, reach out to a wage garnishment attorney in Vigo County.
When you’ve fallen behind on certain types of debts, the creditors can garnish your wages to get the money they are owed. For example, if you are behind on your child support or have defaulted on a federal student loan, you can expect the loan servicer to garnish your wages in order to recover the money you owe.
This can, in turn, make it impossible for you to cover your costs of living. Fortunately, you may be able to get out of this precarious situation by reaching out to a renowned Vigo County wage garnishment lawyer at Rowdy G. Williams Law Firm.
There are many solutions to getting your debts paid off, and your attorney will look into which options are a good fit for you when you come in for your free consultation. This way, you will be able to rebuild your credit and begin to live your life without the burden of overwhelming debt.
Why Are Your Wages Being Garnished?
If you have had a wage garnishment order taken out against you means that a percentage of your paycheck will be taken out of your check before you receive it, similar to how state and federal taxes are withdrawn. If your employer charges you a collection fee for your wages being garnished, this will also be taken out of your check.
Thankfully, not every creditor has the authority to garnish your wages without your permission. For example, unless a money judgement has been issued, your credit card company cannot garnish your income to get their money. Only the Internal Revenue Service (IRS), federal student loan providers, and the state can legally withhold a portion of your wages to repay the debts you owe.
If you are already living paycheck-to-paycheck—which is why you have been unable to pay back your creditors in the first place—this garnishment can put you further into debt and make it nearly impossible to rebuild your finances.
How to Become Debt-Free
There are a few different ways that you can get out of debt so that your wages don’t continue to be garnished. One option is to file an objection to the garnishment, particularly if the debt in question has already been repaid or if we need to request that the amount being garnished be reduced so you can still support your family.
Another option could be restructuring how you repay your debts so that the garnishment is taken off sooner rather than later. Additionally, you may be able to declare bankruptcy so that you don’t wind up having multiple wage garnishments attached to your paycheck.
In any case, your wage garnishment lawyer in Vigo County will review all of the possible solutions and present the ones that seem to be the most feasible for you in your time of need.
Come in for Your Free Consultation Today
If you’re ready to get out of debt and start collecting your paycheck in full, reach out to a Vigo County wage garnishment lawyer at Rowdy G. Williams Law Firm today. Call our firm at 1-812-232-7400 or contact us through the form we have included below to get help repaying your creditors. When you do, you’ll be one step closer to the financial freedom you’ve been dreaming of.