Can credit card companies garnish wages

In this age of credit card debt, and all the information going around about debt in general lately, a lot of people are facing some tough choices. Along with some pretty tough circumstances. Because it’s such a big part of how we live today, it’s important to remember that if you are in such a circumstance, that you’re not alone. Fortunately, too, with the amount of information available these days, it’s possible to educate yourself on what your rights are. This brings up that important question: Can credit card companies garnish wages?

The short answer is that they can. In most states, that is. Pennsylvania, Texas, and the Dakotas are the only states with provisions that credit card companies cannot garnish wages, although they can be garnished for child support. However, just because the credit card companies can do it, it’s not an easy process, and you do have rights. It’s important to understand your own state’s particular laws, but there are some general rules that apply to all of them.

If a creditor is threatening with garnishment, or if they attempt to contact your employer, without any formal procedures ahead of time, then they are stepping out of the rule of law. If this is happening, it’s a good idea to start talking to a lawyer. Your rights are being impinged upon here.

The way it works formally, if they are playing by the book, is not terribly complex, and won’t come as a surprise. There are plenty of warnings ahead of time. If, after repeated attempts to get what they’re owed without success, they can decide to begin legal action. In that case, they can obtain a court order to begin garnishing, and that is within their rights.