Wage Garnishment Lawyer Tampa, FL

What You Must Know About Wage Garnishment

Wage garnishment lawyer Tampa, FL

A Tampa, FL wage garnishment lawyer knows that wage garnishment has the capacity to greatly hinder the livelihood of a working person. If you have recently had money forcefully removed from your paycheck, consider consulting with the wage garnishment lawyer Tampa, FL calls on for assistance. The Law Office of Michael A. Ziegler, P.L., is committed to helping workers in a financial time of need. We understand how much of a negative impact wage garnishment may have on your life.

Here we have gone over what you must know about wage garnishment. It is important to us that our clients feel confident and knowledgeable about their rights. A wage garnishment lawyer from our Tampa, FL office can help answer any further questions you may have about your rights as a worker.

What Exactly is Wage Garnishment?

Wage garnishment happens most often when the government issues a notice to your employer that he or she is legally required to remove a portion of your wages in order to satisfy paying off a debt. The other circumstance wage garnishment may happen is when a person owes child or spousal support and is delinquent in payments.

Can Wages Be Garnished for Support & Debt Dues?

If a paycheck has been garnished due to spousal or child support, it is still possible to have more funds garnishment for another kind of debt. However, the total garnished cannot exceed past 25% of your disposable income.

Can Benefits Be Garnished in Order to Pay a Debt?

Social security and other kinds of benefits are exempt from garnishment and collection of debt.

How Do I Respond to a Wage Garnishment Notice?

If you receive a letter regarding wage garnishment, this means a creditor has a judgement against you. In order to lift this judgement, you have to go to court in an attempt to have it vacated. If the judgement is in your favor, wages will not be garnished and the creditor judgement will not reflect on your credit report. A wage garnishment lawyer from our Tampa location can help you file the necessary documents to fight this judgment in court.

What if I Did Not Get a Notice Prior to Wage Garnishment?

A creditor is required to send you papers to notify you of the lawsuit. If you did not get served, you may be able to get the judgement vacated, even over a small detail such as an incorrect or change in address.

Wage garnishment can be a stressful, embarrassing situation. Seeing your paycheck be less than what it should be leaves you wondering how you’ll pay your bills. It also means your employer now knows about some challenges in your past and present. While you can’t lose your job, your employer is now facing a difficult process with strict deadlines.

How Wage Garnishment Works

Court orders for wage garnishment instruct your employer to take a percentage of your income and divert it to resolve a debt.

Some common debts that may be resolved with wage garnishment are:

  • Student loans
  • Child support
  • Credit card debt
  • Medical bills
  • Back taxes
  • Spousal support

As noted above, creditors may be able to secure up to 25% of your earnings. There are usually warning signs before it gets to the point of a court ordered wage garnishment. The creditor will often send a ‘demand letter’ first. If ignored, the creditor may take the case to court. However, this could be your opportunity to negotiate with them. Our wage garnishment lawyer in Tampa is skilled at finding repayment terms that benefit you. We can help before it ever escalates to wage garnishment.

Contesting Wage Garnishment 

If you want to contest your wage garnishment order, time is of the essence. You may have only a few weeks or even days to appeal.

The attorneys at [Our firm] will consider many factors when assessing your case. First, it may be possible to negotiate new repayment terms with the creditor. As long as you continue to make payments, there will be no negative effects.

If this can’t be negotiated, your attorney may recommend a bankruptcy filing. Doing so completely discharges your debt (Chapter 7) or forces the creditor to accept a payment plan (Chapter 13).

Your attorney from The Law Office of Michael A. Ziegler, P.L. will also examine your case for any signs that the creditor broke the law. For example, does your garnishment order exceed the legal limit of 25%? Did the creditor follow proper procedures? Failure to give you proper notice of a garnishment could prove it illegitimate. 

Working with Our Firm

Disputing wage garnishment can be a challenging process, but it is possible to get it stopped. 

The attorneys at The Law Office of Michael A. Ziegler, P.L. will fight for your rights, regardless of what got you into this circumstance. We understand you may have been treated unfairly, or you may have made a mistake. Regardless of how you ended up with wage garnishment, we are here to protect you.

We understand the impact this judgement is having on your life. Especially how much time it’s eating up. Time that you don’t have. You may already be taking time off from work to manage court appointments and creditor phone calls. This precious time should be spent earning the money to repay your debt.

You have no time to waste and nothing to lose. Call The Law Office of Michael A. Ziegler, P.L. today. Our trusted Tampa, Florida wage garnishment lawyer will take a look at your case. 

Can a paycheck be garnished for two personal debts at the same time?

A Tampa, FL wage garnishment lawyer will explain that yes this can happen, but the total garnished from the paycheck cannot exceed the maximum amount permitted by law. Most often, the first creditor that gets a judgement takes the most possible until it is paid off. Then, the second creditor can start garnishing on the next debt to be collected.

Every new client that is in need of our help receives a free initial consultation with a wage garnishment attorney at The Law Office of Michael A. Ziegler, P.L. There may be an error in how your wage garnishment was processed, resulting in unnecessary forced payments. Contact the wage garnishment lawyer Tampa, FL calls first to schedule your appointment.

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