How to Avoid Wage Garnishment

Wage garnishment occurs when a bad debt is not paid off and a court judge has declared it is lawful to collect the debt directly from the consumer’s pay.  With wage garnishments, a lender will directly contact the debtor’s employer and the employer will reduce the monthly income by what the amount the court decided to garnish. Avoiding wage garnishment is the best thing a person can do to take care of the debt, because wage garnishment can cause serious financial hardships.

Make Payments on Time

Whenever possible, make your payments on time. This includes student loans, credit cards, medical bills, and anything else that may work its way into collections. If you cannot make payments on time, pay what you can, when you can, but do not avoid the obligation all together. Making payments on time is the best way to avoid wage garnishment.

Make Payment Arrangements

If you cannot make on time payments, it is very important to contact the creditor to arrange a payment agreement as soon as possible. This shows that even though you are unable to meet your obligation completely, you are willing to try to do what you can to keep your accounts in good standing. Once you make a payment arrangement with the creditor or the lender, it is extremely important to meet the terms of this agreement, because if you cannot, it will likely invalidate it. If you for some reason cannot meet the terms of the payment arrangement you have made (because sometimes unforeseen things happen) do not hesitate to contact the lender or creditor and explain the situation to see if there is anything else that can be done to prevent further damage to the account standing. Do not abuse the privilege of having a payment arrangement, or you won't be able to use them again in the future.

Don't Avoid the Obligation

Wage garnishment is a last resort and will be done to make sure the debt obligation is paid. While it is more commonly seen in the case of loan default and child support obligations, it can also be done for any account in collections on your credit report. If you outright ignore attempts to collect on the debt or work with the creditors to establish a plan to repay the debt in a manner which you can handle, they will continue to move forward with the wage garnishment. Rather than believe you cannot pay the debt, they will take your avoidance as a sign you are aware of the debt and just don't want to pay it. Many times, they are more than willing to work with you, but to do so, must speak to you.

The best way to ensure you can make payments on time is to prevent yourself from getting too far in debt in the first place. Limit the lines of credit you have open and save some income from each pay check for emergency situations to cover your debts.


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