Wage garnishment occurs when the creditor gets a court order so as to garnish debtors’ wages in offsetting debts. Debts such as credit cards, auto loans, student loans as well as home loans are the most popular loans paid through wage garnishment. When a debtor owes large amounts of debt, the court may opt to apply the wage garnishment laws where the worker will be forced to repay part of the debt to avoid further increase on what is already owed and forcing themselves into bankruptcy. If you are in such a situation where you are facing wage garnishment or you are having your wages being garnished directly, then you could be wondering whether you need an attorney.
You might be in dilemma wondering whether you ought to hire an attorney to challenge the wage garnishment, do nothing or take any other action. There are several factors which will determine whether you ought to work with an attorney or take another action. One thing is the type of wage garnishment you are facing. Wages can be garnished so as to pay debts which have been reduced to judgment or have been taken by administrative orders for one to pay certain debts such as student loans, taxes or child support.
When facing wage garnishment, you might be wondering whether there is any decision that you can take to stop this. One of the things to do in some of these situations is actually doing nothing and let your wages pay the debt in full. There are situations where one will need to hire an attorney to have the wage garnishment stopped. Hiring a professional as well as reputable wage garnishment attorney will really help you to know the best course of action and how you can stop the wage garnishment. Since you don’t have what it takes to handle such as case on your own, you must always consider working with an attorney.
You will need to know that the wage garnishment you will select will determine the end result of this case and thus you must make the right decision. Making the wrong decision might land in you’re a worse situation than where you are and thus you must know what to check for when you are choosing an attorney. This is the reason why you will need to conduct a lot of research and background check before hiring a wage garnishment to ensure that you will make the right decision.