Can A Debt Collector Garnish My Bank Account or My Wages?

10 Apr Can A Debt Collector Garnish My Bank Account or My Wages?

If you don’t pay a debt, a creditor or its debt collector generally can sue you to collect. If they win, the court will enter a judgment against you. The judgment states the amount of money you owe, and allows the creditor or collector to get a garnishment order against you, directing a third party, like your bank, to turn over funds from your account to pay the debt.

Wage garnishment for the payment of consumer debts is not permitted in every State.  You should contact an experienced consumer attorney to find out if your State allows wage garnishment.  (For example, Pennsylvania does not allow wage garnishment for most consumer debts.  See this post for more information regarding Pennsylvania law.)  Wage garnishment happens when your employer withholds part of your compensation to pay your debts. Your wages usually can be garnished only as the result of a court order. Don’t ignore a lawsuit summons. If you do, you lose the opportunity to fight a wage garnishment.

Source:  Federal Trade Commission

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