If you have been served with a wage garnishment in Georgia, you must immediately respond to the order to stop further collection activities. Failure to do so could result in personal liability for the employer. Luckily, you do not have to hire an attorney to respond to garnishments in Georgia. Your human resources and payroll personnel can handle the process. You can also retain outside counsel to represent you in court. Listed below are some steps you should take to respond to a garnishment in Georgia.
Bankruptcy: Filing for bankruptcy will stop creditors from garnishing your wages. The court will issue an order preventing the creditors from harassing or suing you, and will also stop them from foreclosing on your property. Bankruptcy will also protect your wages, so you will be able to pay your creditors and stop garnishment. If this is not possible, you can hire a wage garnishment attorney in Georgia to help you.
Before filing a wage garnishment in Georgia, you should first gather all of your documents and ask your employer to provide you with copies. Make sure you bring any witnesses you have for your hearing. Make three copies of your paperwork – one for your own records and two for the creditor and bank. The originals will be held by the court clerk. This means that you must arrive at court at least 30 minutes before the date of the garnishment hearing.
After receiving a wage garnishment notice, you have thirty days to object to it in writing. The notice will contain the appropriate objection form. If you do not receive one, you can ask the court clerk to provide you with a copy of the form. Make sure to follow the instructions provided on the form. You can also get an idea of how long the process will take. If you decide to take this route, you may end up saving thousands of dollars in wages.
A wage garnishment in Georgia is not the only way to avoid being in financial trouble. It is a legally-enforceable way for creditors to collect on debts. Many Georgians take out loans to cover bills and get back on their feet. If you fail to meet your repayment obligations, you could be subjected to wage garnishment. It’s important to know what the process entails, so you can take steps to protect yourself.
Wage garnishment in Georgia can occur for a variety of reasons. The federal government can garnish wages for tax debt owed. This action is called a “levy,” and you don’t have to get a court order to begin garnishing your wages. Typically, a garnishment will take about 25 percent of your disposable income, which is the amount left over after your mandatory deductions such as health insurance. This is not an uncommon practice, and in some cases, garnishments may be required for the purposes of a court judgment.