Savannah Wage Garnishment Lawyer

Wage Garnishments

What is Wage Garnishment?

Many individuals and families live paycheck to paycheck which means any interruption in the income received through those paychecks can have a huge negative impact. Wage garnishments generally consist of court orders that direct an employer to withhold a certain amount of money from your wages to satisfy a judgement against you for unpaid debts. Typically, wage garnishments of up to 25 percent can be withheld from your after-tax earnings. This means a devastating 25 percent reduction in income that can quickly lead to a financial meltdown where you cannot make ends meet.

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Overcoming Wage Garnishment Challenges

If you have found yourself in this situation, you may be searching for a way to handle it. At the Law Offices of Mark A. Bandy, PC, we have helped countless individuals facing wage garnishments that have seriously depressed their ability to survive financially. Our firm concentrates most of its practice on debt relief and bankruptcy solutions. Backed by decades of legal experience and a passion to serve the community, our Savannah wage garnishment attorney offers legal answers that can help you regain control of your financial scene.

Losing paycheck income from money judgments via wage garnishment? Call the Law Offices of Mark A. Bandy, PC to schedule a free consultation at (912) 331-4501 for legal guidance. You can also contact us online.

Understanding Wage Garnishment Limits and Legal Exceptions

How Bankruptcy Can Stop Wage Garnishment

Wage garnishment orders are entered by a civil court after a creditor has obtained a judgment against you for the amount owed. Some creditors can have your wages garnished without a court order; these are limited to governments or the parent of your child who is owed support. Thus, these types of wage garnishments are made to obtain the arrears on unpaid taxes, student loans in default, or court-ordered child support payments. In each of these latter wage garnishment cases, the amount that can be withheld from your after-tax earnings will vary based on statutory law.

For example, 15 percent of your income can be garnished for unpaid student loans. Unpaid taxes owed to the federal, state, or local governments can be deducted from your wages; the amount for these will vary based on your dependents and tax deductions. UP to 50 percent and, in some cases, up to 60 percent may be deducted for child support payments based on individual circumstances.

In addition, while employers are generally prohibited from terminating an employee for one garnishment, they may terminate you if you have more than one judgment.

Take Control of Your Finances

Wage Garnishment Assistance From the Law Offices of Mark A. Bandy, PC

If you are swimming in debt and being threatened with wage garnishment from creditors, it is in your best interests to seek competent legal advice. Our bankruptcy lawyer in Savannah can review your circumstances and help you understand the options available to you to avoid or halt wage garnishments and other debt collections. Taking control of your financial situation can make a significant difference in the quality of your life and future.

Related Blog: How to Avoid a Wage Garnishment

Get the legal assistance you need to stop wage garnishment by contacting us at (912) 331-4501 today.

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“I was very pleased and would highly recommend his firm. They are top notch. Thank you to Mark and his team for their help.”

A former client of Mark’s referred me to his firm. I called and spoke with Mark. He took the time to listen and understood my concerns. He discussed the process and time frame for filing. His staff followed up and contacted me the next day. They stayed in touch and communicated each step from the beginning to the end. I was very pleased and would highly recommend his firm. They are top notch. Thank you to Mark and his team for their help.

-Kim C

“After reaching out to Mark my initial apprehension was immediately put to rest. Mark is very understanding and broke the process down in its most simple terms.”

Although bankruptcy was a great option for me financially, it was also a very scary thought to process which initially made me reluctant to pursue this option. However, after reaching out to Mark my initial apprehension was immediately put to rest. Mark is very understanding and broke the process down in its most simple terms. The process was seamless, only required one office visit and one courthouse visit and by working with Mark I was able to achieve optimal results. I could not recommend Mark more and I am beyond happy that I chose to work with him.

-Ben

“I knew as early as our consultation that Mark Bandy cares for his clients.”

He and his office made my legal matter an easy and fluid process. There is now a light at the end of the tunnel for me. Thank you, Mark and Shannon, for your outstanding guidance and assistance!

-Suran

“I would recommend Mr. Bandy to any and everyone who going through a rough patch and needs help. Thank you so much.”

Mr. Bandy saved me and my financial situation when I really was at my lowest. His professionalism and follow through made the entire bankruptcy proceedings easy to process. I would recommend Mr. Bandy to any and everyone who going through a rough patch and needs help. Thank you so much.

-Former Client

“Mark and his team are incredible and helped in a tremendous way.”

Mark and his team are incredible and helped in a tremendous way. He saw the process all the way through, and informed me of any details and questions I had. Would absolutely recommend! Everyone goes through a tough time, and people like Mark are there to help.

-Josh F.

“I was worried about losing a piece of my business and he helped me keep it all.”

Mark helped answer some questions about handling my credit card companies during the Covid crisis. I was worried about losing a piece of my business and he helped me keep it all. Thanks, Mark!

-Eric

“He is professional, reasonably priced, and makes whatever you’re going through feel like it’ll be OK.”

Mark Bandy is by far one of the best. He is professional, reasonably priced, and makes whatever you’re going through feel like it’ll be OK. He answered any question I had, responded to calls and emails in a timely manner, and so forth.

-Bianca

“Mark and his staff were excellent.”

He made this very easy for me and provided tons of information on how to move beyond the Chapter 7. I am so grateful for the service and would recommend his staff for anyone seeking to file bankruptcy. Very patient and helpful. Thank you.

-Katherine H.

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Wage Garnishments

What is Wage Garnishment?