Chino Wage Garnishment Attorney
Wage Garnishment Protection in Chino
If you owe a debt to a creditor or the IRS, you may have had your wages garnished. The process involves ordering your employer to withhold a portion of your pay to be forwarded to the creditor. This can be financially devastating, particularly for those who are struggling to stay above water with everyday expenses. At the Law Offices of David R. Gunnin, our Chino wage garnishment lawyer can take action to end wage garnishment and to negotiate with creditors to come up with a reasonable solution that you can afford. In some cases, filing for bankruptcy could be the solution that makes the most sense. When you file for bankruptcy, wage garnishment ends, and your unsecured consumer debt (credit cards, personal loans, medical bills, and some taxes) could be discharged. We have more than 30 years of experience in all aspects of bankruptcy law and how to end wage garnishment.
Stopping Wage Garnishment
A creditor can garnish your wages by getting a court judgment allowing them to do so. There are some exceptions to the rule, such as in the case of some tax debt, court-ordered child support or student loans that are in default. Once a creditor has a judgment against you, your wages can be garnished. In the state of California, creditors are allowed to garnish 25% of your disposable earnings, or the amount by which your weekly disposable earnings exceed 30 times the federal hourly minimum wage.
"Disposable earnings" are the wages that remain your employer has taken out the deductions required by law. For a person earning $1,000 a week with a net pay (disposable earnings) of $700 after all required deductions, their wages could be garnished up to $175 per week. No matter what your weekly pay is, losing up to 25% of your wages is a frightening prospect, and can create very serious financial problems. Contact our firm and let us fight for your right to keep your wages.