What Is Wage Garnishment and Who Can Garnish My Wages?
Wage garnishment refers to a creditor or debt collector obtaining permission from the court to take money directly out of a debt holder’s earnings and/or tax refunds. There are restrictions put in place for the protection of the consumer: limitations on how much can be garnished, the length of time the garnishment can stay in place …show more content…
You’ll also need proof that you completed the required credit-counseling course. When the bankruptcy court clerk has accepted the paperwork, you receive an official court stamp and case number that confirms the filing.
Next you need to touch base with your employer. In many cases, the first time an individual learns that their wages will be garnished is from their employer even though a notice is supposed to be sent out by mail. When trying to stop the garnishment, you’ll need to touch base with whoever handles the payroll or human resources at your place of employment in order to request a copy of the Earnings Withholding Order (EWO).
You’ll find the information you need on this form: creditor name and any legal representation involved in the case. This is the info you’ll use to inform the creditor that you have filed for bankruptcy. They’ll want proof, so you’ll need the ability to fax or email the EWO along with your proof of bankruptcy filing so they can verify your bankruptcy petition has been filed with the court. It’s also best to mail copies of the documentation by certified mail. In almost every case, the creditor will immediately confirm the bankruptcy filing and then notify the county sheriff to terminate the wage garnishment that is in