Rules for each State at
http://www.bcsalliance.com/y_debt_statelaws_garnishments.html
Note: Many things ARE NOT EXEMPT anywhere - like child support, student loans, alimony, taxes and more.
Garnishment orders apply to wages or in some cases bank accounts. Sheriff's do not garnish wages they just serve the garnishment order. If you are not being paid by an employer there are no wages to be garnished. Disability benefits are exempt from creditor garnishment. They are not exempt from garnishment for tax arrearages or child support.
Moving to another state to avoid garnishment is not a guaranteed solution. Creditors can still pursue garnishment in the new state by following legal processes to enforce the debt. It is advisable to consult with a legal professional to explore all options for managing debt and garnishment legally.
Decisions concerning wage garnishment and the amount that can be garnished are left to the presiding judge. The maximum amount under federal law is 25% of disposable income with the first $154.50 of weekly salary exempt from garnishment. Many states have established garnishment laws where the percentage allowed is lower than the federal; the lowest percentage is the one that is applied. All garnishment action is subject to appeal and modification if the garnishee can present proof that it would constitute an "undue hardship" on themselves and/or dependents. There are four states that do not allow garnishment for creditor debt, Texas, Pennsylvania, N.Carolina and S.Carolina. Several states such as Florida have limited garnishment laws making such action difficult to enforce.
YES, who spread that rumor? LOL Texas is a no garnishment state. Therefore they cannot garnish your wages for any reason.
Government insured student loans are exempt from the Bk process. They must be paid. However, they will not collect money from you until the bankruptcy is dismissed or discharged, but it will still accrue interest during that time.
Only if it has gone to court, served you with the complaint and gotten a judgment against you. If it has gotten the judgment, the agency must still make application through the courts to get the wage garnishment. The garnishment cannot begin until you have been given notice of the request and a chance to object to it.
If you are still in default on a federal student loan, no.
No they shouldn't.
Perhaps. State's enact laws that protect the consumer debtor's real and personal property. The concerned party should research the laws of his or her state relating to the garnishment of insurance and private retirement benefits for debts owed. Please note, all Social Security benefits are exempt from garnishment for creditor debt, also military benefits, government pension annuities and federal or state public assistance monies. The concerned party should also keep in mind that even if such funds are exempt from creditor attachment it is still possible for a creditor to execute a judgment against a bank account where exempt benefits and non exempt monies are comingled. It is always preferable to hold protected monies in totally separate accounts.
I think you may get the information about how wage garnishment has been satisfied from www.ehow.com/how-does_4588079_wage-garnishment-work.html and www.irsconsultingservices.com/wage-garnishment-help.htm
A garnishment can be put against a sole proprietor to settle a debt. Despite their working situation, they are still under obligation.
your wages still garnished