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What is wage garnishment?

Tennessee residents can find themselves struggling with their personal finances, especially in situations where people get behind in their bills and are unable to catch up. Medical debt, credit card debt and student loans can all make it difficult for individuals to make ends meet. When this happens, people can face a variety of legal consequences. In some cases, people can find themselves facing wage garnishment.

What is wage garnishment? This legal term can be scary to individuals who are already struggling to meet their financial obligations. Wage garnishment laws allow creditors to take a portion of an individual's weekly or monthly wages to satisfy the debt owed. These debts can include personal loans, student loans, back taxes, judgments and child support.

Wage garnishment only occurs after a court hearing on the matter. The debtor is notified of the hearing and has the opportunity to attend. If the garnishment is granted, the creditor can take a certain portion of that person's wages. The amount that can be garnished is limited by state and federal laws. Employers must comply with the garnishment, but cannot punish -- or fire -- the employee because the person is subject to a garnishment.

When individuals are facing wage garnishment, repossession or other debt collection efforts, debt relief may be available. Individuals should know that debt relief options, such as bankruptcy, can help give them the fresh financial start they need. By exercising their debt relief options, people can stop wage garnishment and other collection efforts.

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Kenneth C. Rannick, P.C.
4416 Brainerd Road
Chattanooga, TN 37411

Phone: 423-954-7180
Phone: 423-624-4002
Fax: 423-624-0509
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