Has a debt collector threatened you with wage garnishment?
The FDCPA and RFDCPA prohibits debt collectors from threatening to garnish your wages unless they actually intend to do so and are lawfully allowed. Unfortunately, this does mean that there are limited circumstances when a debt collector could garnish your wages; however, those circumstances are few and far between. More often than not, debt collectors will make the threat of wage garnishment in an effort to intimidate you into paying a debt. This is considered a false and misleading representation and the debt collector should be held accountable for such reprehensible practices.
Wage garnishment can lawfully occur when the debt collector has filed a lawsuit and obtained a judgment against you. With the proper help and guidance from an experienced attorney, a judgment can be avoided. There are limitations on the types of funds that can be garnished. Even when a judgment has been obtained, debt collectors cannot garnish federal benefits, such as social security or veteran's benefits.
If a debt collector is threatening to garnish your wages, please contact our office for a free, no obligation consultation at 1-800-219-3577.