Short answers – yes, “they” can garnish your wages, and it means that your employer will be required to pay a portion of your wages to a debt collector. But, I am assuming you already know that. So, here is a short list of things you may not know about wage garnishment:
- You have to have lost in court (or agreed to a court judgment) before a wage garnishment.
- The person you owe money to (called the judgment creditor) has to allow you a court-ordered payment plan before attempting to garnish your wages. Also, you have to miss payments on the court-ordered payment plan before they can get a wage garnishment.
- It is illegal for your employer to punish you if you get a wage garnishment.
- They cannot take your workers’ compensation, social security, veterans and unemployment benefits.
- The wage garnishment must stop (and in some cases be reversed) if you file bankruptcy.
Remember, debt stinks but it is not the end of the story. Get help – you have options.