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"Doing Nothing Changes Nothing"

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5/14/2010
James R. Brown
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When Can I Expect to See a Garnishment in Illinois?

Having your wages garnished can force you into a really unpleasant position. According to Illinois wage garnishment laws, a creditor can take 15% of your wages, even if you are the head of household. So, is there any way to see this coming?

Unfortunately, no.  A wage garnishment can pop up suddenly as your creditors do not care about bad timing. Just like Missouri, under Illinois wage garnishment laws, there is no specific amount of time or amount of debt that tells a creditor it is time to start garnishing your wages.  There are, however, a few steps that the creditor must take. A creditor must first sue you, get a judgment against you, and then obtain an order from a judge to garnish your wages. But, the decision to start these steps to garnish your wages is at the discretion of the creditor.

Thankfully, there is a way to fight back against wage garnishments—and your creditors. Missouri and Illinois bankruptcy can stop a garnishment from taking such a substantial amount of your check. A Fairview Heights, Illinois bankruptcy attorney can also help you get protection from foreclosure, help with credit card debt and other burdensome debts, and get you relief from harassing creditor phone calls.

Remember, doing nothing changes nothing. If you are comfortable with a garnishment on your paycheck that may not disappear any time soon, then maybe you don’t need to stand up to your creditors. However, if you are ready to find out what action you can take to stop your wage garnishment and get out of debt, you can request a free copy of my Illinois and Missouri bankruptcy book, “Get Out of Debt: Secrets Your Creditors Don’t Want You to Know,” to start learning what bankruptcy could do for you.


Category: General

James R. Brown
President and Principal Attorney at Castle Law Office

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