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Bankruptcy is a situation, wherein an individual is termed as unable to discharge all the debts. When a person or a company is not able to pay off its creditors, it has an obligation to file a bankruptcy suit. In fact, a bankruptcy suit is a When you work with an attorney, you will have no problem reducing the risks associated with getting your case in front of a judge and jury, or other formal court, when you need to. However, every case is different. It is important to work wi


How To Do A Wage Garnishment:The procedure of keeping back a percentage of employee’s share of earning by employers for debt recovery with due order from small claim courts is called as wage garnishment. IRS and other tax collection offices of state government levies for default taxes, whereas national federal agency collects the non-tax debts owed to the U.S government.  Creditor may garnish the employee’s wages, if that employee gets more than the lowest amount of wage (as prescribed by U.S government). In addition, employers can file wage garnishment only, if employees do not have other garnishment against their wages. Process Of Wage Garnishment: The process goes like this, when employer finds out that an employee is not able to pay certain dues or taxes to organization or to the U.S government, he files for wage garnishment in small claim courts. Then the sheriff or judgment recovery officers of the state verify the claims and present the wage garnishment documents to employers. The authorities ask them to deduct certain amount of sum from individual’s wages until full payment of debts. CCPA (consumer credit protection act) states that an individual has to pay wage garnished only for single debt.  It restricts the employers from firing the employees from job. If any controversy arises in wage garnishment process, then to resolve it, the parties need approach the court. Employers need to note that garnish wage law do not give them right to halt the other benefits of employees such as pensions, bonus, or commissions. This law is applicable in all the U.S states. The amount of wage garnishment depends on the disposable earnings of employee. These disposable earnings comprise of local taxes, employee’s share in state’s unemployment insurance, federal taxes and social security tax. The wage garnishment sum can be 25% of total disposable earnings or 30 times more than minimum wage requirement criteria. The wage garnishment law states that, employers have to recover the debt from the employee’s wages within prescribed time limit only. After recovery of the debt that employer need to give complete salary to individuals. Now, in case of wage garnishment that does not consider certain terms such as bad credit or credit card bankruptcy, the garnishment amount cannot exceed more than two figures in each week. In addition, employers cannot file for wage garnishment, in case the individual is declared as bankrupt by the court. Thus, wage garnishment process has to be the last option that employers need to seek, to recover debts from their employees.People can acquire more information on wage garnishments by referring this site: www.onlinejudgmentcollection.com. Lance Casey from Cal-State Financial is a Judgment Recovery Specialist.

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