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Whatever you choose to call it – Texas wage attachments, Texas wage garnishment, or something else – it’s something no one wants to be forced to deal with. Yet, every year, wages are garnished for roughly 7% of American workers, according to the ADP Research Institute. While 7% may not seem like a big number to some people, it’s actually relatively significant.
If you have been the victim of a judgment that ordered the garnishment of your hard-earned wages, you need help. You work hard for your money and should be able to take as much of it home as possible. But, if you have incurred debt, you’re expected to pay it back. If you don’t, wage garnishment in Texas is a distinct possibility.
So you can better maneuver your way around garnished wages in Texas, here’s some information.
If you are drowning in debt, bankruptcy may be an option. To find out whether or not it’s a good fit for you and your circumstances, consult an attorney regarding some type of debt protection.
Interesting and Important Fact
At least in Texas, your wages may well be protected against garnishments, with very few exceptions. This doesn’t mean that if you live in Texas your wages will never, ever be garnished in any way, shape, or form. But it is encouraging.
According to the Texas State Law Library, the following is true: For ordinary debts, a debt collector cannot garnish your Texas wages. By the Texas Constitution, wage garnishment is prohibited but for a handful of certain types of debt. These types include unpaid taxes, student loans, spousal support, and child support.
Wage Garnishment
Normally, a judgment must be received by a creditor in order for them to be able to garnish your wages. This does not apply, however, to some creditors such as if you owe alimony, child support, federal student loans, or taxes. Directly out of your paycheck, they have a statutory right to remove money.
Even if garnishment is approved, there is a percentage to which collecting creditors are limited. Out of your disposable weekly income, this will likely amount to 25% (but this can and will vary depending on a number of factors).
Remember, however, that for the repayment of consumer debts, your wages can’t be garnished in Texas. It is one of only four states that have this law in place.
Steps to Stopping Garnishment
Once an order of garnishment has been approved, can you stop it? With the court, you can claim an exemption in order to stop the garnishment. You may be able to fully or partially keep your money.
Bankruptcy filing is another possibility.
If you are facing wage garnishment in Texas, your best option is to contact a legal representative who is well-versed in debt, bankruptcy, and other financial matters.
Garnishments and Assistance
In addition to wage garnishments, something referred to as a bank account levy or bank garnishments may be ordered if you owe a debt. To better familiarize yourself with Texas garnishment laws in general, talk to an expert. They will be of invaluable assistance. Here’s who to call…
Wondering What to Do About Wage Garnishment? Contact The Debt Defenders by Ciment Law Firm, PLLC
The experienced, knowledgeable professionals at The Debt Defenders by Ciment Law Firm, PLLC know their way around all Texas laws having anything to do with debts, garnished wages, bankruptcy, etc. If you have questions or concerns about avoiding wage garnishment or dealing with it once it’s ordered, we are the people you want to confer with.
Contact us today at 866-493-1308 for an appointment. You can also fill out our convenient online form to begin communication.