Can A Credit Card Garnish My Wages
Can A Credit Card Garnish My Wages If you�re asking yourself, can a credit card garnish my wages, then you must have a past due balance you�re unable to pay. This is a scary situation to be in. But whether you owe $1000 or thousands more, the answer to �can a credit card garnish my wages?� is that they can�t, but a judge can. They can�t garnish your wages automatically just because you owe them money. They have to sue you for the amount due first. If the judgment is against you, and it will be if you owe the money, then a judge could order your wages to be garnished. This isn�t something that a judge will do just for fun, however. In almost all cases you will be given the opportunity to make payments on your own. The lawyer for the collection agency that handles the debt will probably talk to you for a few minutes in the courtroom. He�ll try to get you to commit to a certain payment arrangement. Then when you appear before the judge they will simply tell the judge the agreement you made. Then he�ll order it in judgment against you. If you�re uncooperative, the judge may order a wage garnishment, but it�s most likely you�ll be able to work something out with the lawyer. If you have been sued and a judgment was ordered against you, you must make the payments on time. Because it�s a court order, not paying the payments could bring you back in front of the judge for penalties. You would be asked why you didn�t pay, and why you didn�t attempt to pay even part of the amount. If the judge chooses to do so, he or she can order your wages garnished for the amount of the payments. Then the credit card company will receive their money automatically out of your paycheck. Can a credit card garnish my wages? They�re more than happy to do so if the judge orders it because they know the check won�t bounce and there�s no way they won�t get it if comes automatically from your employer. This is a rotten situation to be in, but if it happens you�ll have to make the most of it. You can get a lawyer when you�re being sued to help negotiate with the debt collection lawyer to work out the best terms of your repayment. This can help you find a situation that will allow you to make payments on time and pay down the ordered debt without having to have your wages garnished. The best thing to do is to make an arrangement with the collection agency handling the credit card debt before they file suit against you. Very often you can get a deal in which you pay a portion of the debt and they�ll close the case. If they sue, you�ll end up paying more than you owe in interest and legal fees. So the answer to �can a credit card garnish my wages?� is no, but a judge can and will do it on their behalf.