Will My Wages Be Garnished By A Credit Card?
If you're worried about having your wages garnished, it's likely because you have an outstanding sum that you're unable to pay. Feeling trapped like this is terrifying. If you're wondering, "can a credit card garnish my wages?" the answer is no—only a judge can do that, regardless of how much you owe.
The mere fact that you owe them money does not give them the right to instantly garnish your salary. If they want payment, they'll have to sue you. Your salary can be garnished by a judge if the judgment is against you, which it will be if you are owed the money.
On the other hand, judges won't do this for kicks. Almost always, you'll have the option to pay independently. It is likely that you may have brief conversations with the attorney representing the debt collecting firm in court. He'll put pressure on you to agree to a specific payment plan.
After then, all they have to do is relay the terms of your agreement to the judge when you appear in court. As a form of judgment against you, he will then order it. Even though the judge could order a wage garnishment if you refuse to cooperate, you and your attorney will likely be able to come to an agreement.
Timely payment is essential if a judgment has been entered against you as a result of a lawsuit. If you do not pay the installments as ordered, you may be required to appear before the judge to face fines. They would want to know why you didn't pay, or at least why you didn't try to pay anything.
The judge has the discretion to garnish your wages up to the amount of the payments if they so desire. After that, your paycheck will be automatically debited to pay the credit card company.
Are credit card garnishments legal? Since they are confident the check will not bounce and will arrive from your company automatically, they are more than willing to comply with a judge's order.
No matter how bad it is, you'll have to find a way to make the best of it if this happens to you. If you find yourself the target of a debt collection lawsuit, hiring an attorney can help you and the collector reach a mutually agreeable repayment plan.
If you can figure out a way to pay the mandated debt without having your earnings garnished, this can be a huge relief.
Instead of letting the collection agency that is handling your credit card debt sue you, try to work out a settlement with them first. You can close the case once you pay a portion of the amount, which is a common arrangement.
Their legal bills and interest will make you pay more than you owe if they sue. Yes, a judge can and will garnish a person's wages, but a credit card company cannot.
The mere fact that you owe them money does not give them the right to instantly garnish your salary. If they want payment, they'll have to sue you. Your salary can be garnished by a judge if the judgment is against you, which it will be if you are owed the money.
On the other hand, judges won't do this for kicks. Almost always, you'll have the option to pay independently. It is likely that you may have brief conversations with the attorney representing the debt collecting firm in court. He'll put pressure on you to agree to a specific payment plan.
After then, all they have to do is relay the terms of your agreement to the judge when you appear in court. As a form of judgment against you, he will then order it. Even though the judge could order a wage garnishment if you refuse to cooperate, you and your attorney will likely be able to come to an agreement.
Timely payment is essential if a judgment has been entered against you as a result of a lawsuit. If you do not pay the installments as ordered, you may be required to appear before the judge to face fines. They would want to know why you didn't pay, or at least why you didn't try to pay anything.
The judge has the discretion to garnish your wages up to the amount of the payments if they so desire. After that, your paycheck will be automatically debited to pay the credit card company.
Are credit card garnishments legal? Since they are confident the check will not bounce and will arrive from your company automatically, they are more than willing to comply with a judge's order.
No matter how bad it is, you'll have to find a way to make the best of it if this happens to you. If you find yourself the target of a debt collection lawsuit, hiring an attorney can help you and the collector reach a mutually agreeable repayment plan.
If you can figure out a way to pay the mandated debt without having your earnings garnished, this can be a huge relief.
Instead of letting the collection agency that is handling your credit card debt sue you, try to work out a settlement with them first. You can close the case once you pay a portion of the amount, which is a common arrangement.
Their legal bills and interest will make you pay more than you owe if they sue. Yes, a judge can and will garnish a person's wages, but a credit card company cannot.
