Wage garnishment is the act of taking away of one’s wages until a particular debt is paid.  This can be done through a person’s paychecks prior to his receiving them through contacts with the employer.  If wage garnishment applies to you, you can contact Vivix Credit Solutions for a solution.

In a court case, the judge rules on whether or not your wages will be garnished and the person you owe will often ask for it.  If you owe money and you aren’t paying it, this action may be taken against you.  The particular laws vary from state to state, but no more than 25% of your total earnings or the amount earned after taxes is deducted from your paycheck.  Employers receive a notice requesting a certain amount be withheld regularly from the offender’s paycheck.

Certain cash payments that can’t be garnished are—

    Unemployment comp benefits
    Disability
    Worker’s compensation
    Social Security payments
    Veterans’ benefits
    Pensions not over $54,000
    Group insurance or other insurance proceeds

Wage garnishments start kicking in between 15 and 45 days following a court decision or judgment against you.  Before your wages are garnished, you will receive a letter from your creditor requesting your payment in full.  Doing nothing at this point will not help you at all.  You will also receive some paperwork from your employer regarding your wage garnishments.  In one of the forms, the Request for Hearing form, you have the option for a hearing, but you must reply and return this form within 5 days to get the hearing.  In all of these proceedings, you can turn to Vivix Credit Solutions.  Vivix Credit Solutions can be a great assistance to get you the legal advice you need.   Contact them today for a free consultation.