Stopping Wage Garnishment in New Hampshire

There are few things more intimidating than being told that wages may be garnished. In New Hampshire, stopping wage garnishment often means contacting a debt settlement attorney or considering whether or not to file for bankruptcy. There are 4 types of wage garnishment that are not subjected to the federal limits and those include ordered payments under a Chapter 13 Bankruptcy, child (or spousal) support, student loans and taxes.

Fortunately for many New Hampshire residents, the restrictions are much stricter on a state level than on a federal level. In order for a creditor to be awarded a wage garnishment for a judgment, the maximum amount of wages that may be garnished are those that are in excess of 50% of federal minimum wage. In most cases, many creditors would be happy to settle for a debt settlement plan.

Consumer Debt Rights

For those who are facing a court appearance for consumer debt, there are other laws that also may impact a creditor's ability to garnish wages. New Hampshire has a statute of limitations on consumer debt. Credit card debt and personal loan debts may only be pursued for 3 years while other judgments may have a 20 year statute of limitations.

Not all consumers are aware of this debt protection clause and most creditors do not want you to be aware of it. For those who have been threatened with court action, contacting a debt settlement lawyer may result in the debt being eliminated completely without a debtor taking the extreme step of filing bankruptcy.

Searching for Assistance

Debtor who are concerned about their rights under consumer protection or wage garnishment exclusions should contact a debt settlement lawyer as soon as is practical. There may be sufficient cause to file a claim of exemption or the debtor may find that they are not liable for the debt at all. The main purpose for this assistance is it may help stop wage garnishment in New Hampshire.

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