Have you been notified that your wages will be garnished? If you are already dealing with financial challenges, learning that your income is going to be significantly reduced is stressful and frustrating. You don’t have to work through these hardships alone. Marty Martin Bankruptcy Law has helped Oklahomans with bankruptcy and debt solutions since 2003. Our Edmond, OK garnishment lawyer will review your options and outline a path forward.
Garnishment Lawyer Edmond, OK
If your consumer debt goes unpaid, the creditor may petition a judge to garnish your wages. If the court agrees to this request, you and your employer will be notified 30 days before the order goes into effect. Then, your employer will be authorized to legally withhold money from your paycheck. These funds are sent to the creditor and subtracted from the total amount of debt owed.
For most consumer debts, like credit card debt, federal laws set a maximum wage garnishment percentage of 25%. The garnishment is withheld from your disposable income, meaning a percentage of what you take home after mandatory deductions like taxes and social security.
The federal government can also garnish your wages for unpaid or back taxes and for defaulting on student loans. This legal process looks slightly different because the IRS and the government have broader powers than banks and other lenders. In some situations, they can bypass the court approval step by sending a pre-garnishment notice directly to the debtor and seizing funds 30 days later.
Getting behind on spousal or child support can also lead to wage garnishment. The maximum percentage that can be withheld varies by local laws from 40-50%.
Regardless of the type of debt you owe, there are options available to you. As soon as you are notified that a creditor or lender intends to garnish your wages, consult our Edmond garnishment lawyer. We will advise which strategy is best for your unique situation. From negotiating with the lender to submitting an objection to the court and filing for bankruptcy, we explain the pros and cons of every solution and work hand-in-hand with you to meet your goals.
Why Experience Matters In Wage Garnishment Cases
If you are already struggling to pay your bills, having your wages garnished can seem like an insurmountable setback. It’s scary and stressful, but there is hope. The first step toward financial relief is reaching out to attorney Marty Martin. He has helped individuals with garnishment cases for over 20 years and understands the gravity of your situation. Your well-being and future are on the line, and Mr. Martin will do everything possible to achieve a resolution.
For over 20 years, our firm has been the top choice for individuals in Oklahoma who need help with bankruptcy, credit counseling, and debt relief because:
- We guarantee 100% privacy and confidentiality.
- Our personalized services address your goals and are tailored to your financial circumstances.
- We make complicated legal matters easy to understand and empower our clients to make informed choices.
- As our client, your success is our top priority.
Wage garnishment is intimidating and can feel unfair. You deserve a second chance and an opportunity to improve your financial situation. Get started by requesting a quote and case review from our Edmond garnishment lawyer. You can trust Marty Martin Bankruptcy Law to protect your rights, your future, and your privacy.