Wage Garnishment Lawyer in New York
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Credit can be both a blessing and a curse. While credit cards may provide you with extra money when necessary, keeping up with high credit bills can be challenging—especially if you’re going through rough financial times. With high interest rates, paying off an entire balance can seem hopeless. Many hardworking Americans end up falling behind on their payments, which can lead to negative marks on a credit score—or worse.
When an outstanding balance remains unpaid for a certain amount of time, collection agencies may file a lawsuit against you. This lawsuit can lead to either garnished wage or an income execution. Nothing is more stressful than having your means to pay bills and put food on the table taken from you, especially when you are struggling with debt in the first place.
Call Our Wage Garnishment Lawyer
If you are facing wage garnishments and want an experienced lawyer to fight for your rights, seek help from Attorney Robert Jacovetti. For many years, he has helped clients resolve their debts and discover financial stability.
New York Creditors Must Follow Collection Laws
Fortunately, consumers have rights when it comes to garnished wages for credit card debt. Yes, you are obligated to pay your creditors, but many collection agencies overstep their boundaries. Garnished wages are a legal means for creditors to obtain money that you owe. However, there is a legal framework many collectors fail to follow. These laws may work in your favor.
The laws surrounding credit and debt are notoriously complex and often very difficult for most people to understand. When it comes to finding relief from harassing collectors and ending the process of wage garnishment, hiring an experienced and capable lawyer is a smart and important first step.
When Can Your Wages Be Garnished in New York?
Income execution, thankfully, cannot take all of your paycheck, according to federal and state law. Creditors may only garnish wages after obtaining legal authority from a court judgment. This applies to unpaid credit card statements, medical bills, and cell phone bills, among others. There are strict guidelines for these creditors to follow.
It is also important to understand that some debts cannot be discharged.
- Child support
- Student loans
Your Employer May Not Fire You for Garnished Wages
While it is possible your employer may look poorly on you when they find out your wages must be garnished, they cannot fire you. It’s an inconvenience for them but, by law, an employer must follow the court order to garnish your wages and not hold it against you in any way. They may not fire you. They are not allowed to restrict your vacation time, sick, or personal time.
If your employer is holding your wage garnishment against you, talk to experienced New York wage garnishment lawyer. At our firm, Robert has helped numerous people just like you combat difficult wage garnishment issues.
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Sometimes, the worst things happen to good, honest people. At Jacovetti Law, P.C., we are passionate about helping people like you gain control of their financial lives and stop harassment from creditors.
After reviewing your case, we can work to find violations of the law by your creditors. This may enable you to initiate a lawsuit against your creditor.