Stop Wage Garnishment in Texas
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.
Which Creditors Can Garnish My Wages or Freeze My Accounts?
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:
- Domestic support
- Federal student loans
- Income taxes
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.
Limits on Wage Garnishments in Texas
In Texas, limitations on wage garnishment amounts vary depending on the type of debt.
- A creditor can garnish a maximum of 50% of your disposable income to pay child support or alimony debts.
- For defaulted student loans, the Department of Education can withhold up to the greater of 15% of your disposable income or 30 times the minimum wage.
- For federal back taxes, the amount the IRS can withhold varies based on the number of dependents you have and your deduction rate.
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.
Get That Garnishment Off Your Check
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:
- Collection calls
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.