Is a debt collector garnishing your check? If yes, then you should know that under Texas law, most creditors can’t garnish your wages except for court-ordered child support payments and spousal maintenance. Other garnishment laws specify that employers must comply with garnishment orders for federal debts, e.g student loans, and taxes.
When you're already struggling to keep up with your debts, wage garnishment can make barely scraping by even more challenging. Through garnishment, certain creditors can take money straight from your paycheck. When you’re bringing home a smaller paycheck, it can be downright impossible to make it through the month.
Get that garnishment off your check! Call or text DebtStoppers today at 469-646-0750 to request a free debt relief consultation with one of our experienced Texas attorneys. Our qualified team of legal professionals has helped thousands avoid garnishments, repossessions, and foreclosures.
Under Texas laws, most ordinary debt cannot be garnished. However, certain creditors are allowed to garnish wages by statute and can do so without a court order.
A creditor for the following types of debt can place a garnishment on your check:
These creditors can force your employer to deduct funds from your paycheck to pay towards the debt. You and your employer will not have any say in the matter.
In addition, a creditor with a judgment against you can have your bank account frozen and the funds possibly seized. This leaves you unable to pay your bills.
In Texas, limitations on wage garnishment amounts vary depending on the type of debt.
Even with limitations in place, when you're already struggling just to get by, any amount of wage loss of pay can make it next to impossible to cover your day-to-day living expenses, let alone pay off any of your other debts.
If you want to stop wage garnishment once and for all, filing for bankruptcy is your best option in Texas. As soon as your DebtStoppers lawyer files your petition, the court will grant you an automatic stay that forbids any creditor from garnishing your wages.
The stay also orders creditors to stop:
Bankruptcy does more than provide temporary relief from wage garnishment through the automatic stay; it deals with your money problems head-on. While domestic support and student loan obligations generally cannot be discharged in Chapter 7 bankruptcy, most of your other debts — including qualifying back taxes, credit card debts, and medical bills — can.
You can also choose to file under Chapter 13, which allows you to reorganize your debts into a 3-to-5-year payment plan you can actually afford. Most people end up paying about 10% of what they owe through Chapter 13.
If creditors are garnishing your wages, or if they have threatened to freeze your bank account, call or text DebtStoppers today at 469-646-0750 to schedule a no-obligation case evaluation session. Our skilled Texas lawyers can help hold on to your hard-earned pay.
Are your wages being garnished? Call or text DebtStoppers in Dallas Fort-Worth, Texas today at 469-646-0750 and keep your paycheck in your pocket.