Some employees may truly love what they do, but even these workers rarely lose sight of the purpose of a job. People go to work to earn a living and pay for their living expenses. Persons suffering from debt troubles may find their paychecks stretched to the breaking point and fall behind on their obligations. A California worker who owes creditors money may discover a terrible shock one day: the creditors successfully garnished the worker’s wages. Although the situation could be challenging, there may be ways to address wage garnishments.
Preventing wage garnishments
The possibly least complicated way to deal with a wage garnishment involves working with a creditor long before the creditors take wage garnishment actions. Usually, the debtor falls behind and does not attempt to pay prior to creditors taking legal steps to recover their funds.
Creditors do not deal directly with employers to garnish wages. Rather, they sue the debtor, win, and procure a court order. Debtors could attempt to settle the debt or explore other avenues before things reach such a point. Unfortunately, for some, the process goes forward and garnishments occur.
Dealing with wage garnishments
Although a creditor successfully procures a wage garnishment, that doesn’t mean the debtor has no options. The most direct step could involve working with the creditor directly to lift the garnishment and work out a payment plan for the obligation. The creditor may not wish to work things out for some reason, leaving the debtor to pursue other options.
A debtor could challenge the garnishment if something is improper. Another route may involve seeking a hardship exemption. Anyone struggling financially might become unable to afford essentials, such as food or rent if a wage garnishment goes through. The exemption path may apply to such persons.