Jon-Michael Murphy
Attorney at Law

 

Fight to Keep Your Hard-Earned Wages

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The cost of living is skyrocketing and it’s easy to find yourself overextend financially while just trying to get by.  Creditors understand this and are  eager to offer you a money, in the form of a loan or credit card. Unfortunately, these loans come with high interest rates that increase rapidly after missing a single payment. For this reason, it’s easy for even the most financially minded person to find themselves struggling under a mountain of debt. To make matters worse, when you fall too far behind on your payments the lenders who you thought were there helping you out are now suing you and coming after your wages. 

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Don't let your creditors seize your wages without a fight. Whether you were just served with a Summons and Complaint or have been informed by your employer that your wages are being seized, we are here to help. Our firm will fight to keep lenders from taking away the money that you rightfully earned. 

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What is Wage Garnishment?

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A wage garnishment occurs when creditors or a government agency orders your employer to deduct a specified amount from your paycheck to pay back debts or judgments. Many types of debt can result in wage garnishment, including credit card debt, lease defaults, loan defaults, and repossessed vehicles.  

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Creditors May Be Able To Seize Up to 25% of Your Income!!!

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Under applicable law, up to 25% of your non-exempt disposable earnings to be paid to a single judgment creditor.

It’s important to understand what is meant by non-exempt disposable earnings, as this can significantly impact how much of your wages can actually be garnished:

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Know Your Rights!

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State and federal laws provide protections to employees that are being garnished.

 

Some employers may find wage garnishment orders to be a hassle and think that terminating your employment is an easier option. That would be against the law. 

 

Under federal law, you cannot be terminated if you are facing one wage garnishment issue. However, if you are facing more than one wage garnishment order, you may be subject to discharge.

 

An exemption can be filed so that your attorney can prove to a judge that the amount being seized exceeds a reasonable or even legal amount. 

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Call Now For A Free No-Obligation Consultation!

(502) 473-6446