In times of financial struggle, many individuals in Tennessee and elsewhere may be forced to experience a paycheck-to-paycheck lifestyle just to get by. Unfortunately, as debts continue to be a concern, some may face the possibility of having a portion of their wages withheld. Wage garnishment is a serious concern for many, and those who are confronted with the likelihood of a similar issue may wish to know the measures they can take to protect their paycheck.
In most cases, a creditor must file a lawsuit and win a judgment against a debtor before it can seek repayment through wage garnishment. The creditor must also obtain a court order to begin garnishing wages, and the debtor must be notified of the order, as he or she retains the right to appeal the decision. However, there are certain exceptions to the process, and a court order might not be necessary for certain debts, such as those related to unpaid taxes or child support.
To prevent wage garnishment, one could attempt to contact creditors and negotiate reduced payments. A person who is facing legal action could also consider attempting to reach a settlement with the creditor or creditors. While taking a proactive approach to dealing with debts may be advisable, those who are going through substantial monetary difficulties may find this challenging, and they could be uncertain where to turn for guidance in protecting their financial futures.
For many who count on their paycheck to make ends meet, the concept of wage garnishment can be a stressful and daunting prospect. Those who wish to prevent this from occurring may find it beneficial to speak with a bankruptcy attorney for guidance. An attorney can help a client in Tennessee gain a better understanding of what to expect from the process and assist him or her in choosing the correct path with which to address debts and maintain financial stability.
Source: wisebread.com, "Here's What to Do If Your Wages Are Garnished", Denise Hill, Accessed on March 27, 2018