Consumers that ignore outstanding credit card debts could wind up facing a lawsuit. When debts are left unpaid, creditors are using the legal system to get payback. If the court finds that the individual is delinquent on their debt and fails to show up for the court hearing, the creditor can obtain a legal judgment against them. They will send this to the person's employer who is legally required to garnish their wages. This can be extremely upsetting and embarrassing for employees because their employer is now aware of their financial difficulties. A debtor can stop wage garnishment by filing a hardship petition with the court. Employees who have recently had their hours cut or are raising children as a single parent may qualify for this.
The State of Connecticut considers the following sources of income as exempt from garnishment:
Up to 25 percent of an employee's disposable income can be garnished. To stop wage garnishment, request a hearing with the court that issued the garnishment order. Show the judge that you are unable to pay your rent, buy food or pay for childcare. Bring all your utility and grocery bills to court along with a copy of your rental agreement. Judges have the power to either stop wage garnishment or reduce the amount being taken out of your weekly check.
If you already protested a wage garnishment and have been unsuccessful, it's time to speak with an attorney. Connecticut lawyers that specialize in debt relief programs can help you find a way to handle the crisis. Consumers that have large amounts of unsecured debts may choose to file bankruptcy. This stops the garnishment immediately and allows them to discharge most of their debts. Contact an attorney to find out how they can help.