Paycheck Garnishment

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My paycheck has been garnished. I have not been notified by a court and the debtor. What do I do?


unclewulf

Posts: 3181
Credits: 31502.8

Sub: #1 Here's the state law: New York Wage Garnishment The maximum
Sat, 11/28/2009 - 06:28



Here's the state law:

New York Wage Garnishment

The maximum amount recoverable is ten percent (10%) of gross income, or the federal maximum, whichever is less.

If the debtor is subject to garnishment for alimony, support or maintenance, the combined garnishments cannot exceed twenty-five percent (25%) of disposable earnings.

Income executions are prioritized by order of delivery to the Sheriff, but garnishments for alimony support or maintenance always take priority.

The execution is a two-stage process. First, the sheriff serves the execution on the debtor at his or her residence. If the debtor does not begin making payments within twenty (20) days, the sheriff levies on the employer

Start by speaking to your HR department at work. Find out exactly who's taking your wages, how, and why. They have to tell you.

Do you have an outstanding payday loan, or something like that? The reason I'm asking is that this doesn't sound like a proper garnishment. It sounds more like a wage assignment for a set amount, that just happens to be most of your check. Those are often associated with payday loans and illegal lenders. They're voluntary, and you can revoke them at any time.

Go find out which it is, and get back to us. We'll help you through this.

Wulfisms: my blog

The four 'no's of dealing with collectors:
No validation? No payment. No way! No kidding!!

Tellin' you all the zomby troof
Here I'm is, the zomby woof
[Frank Zappa, 1988 - R.I.P.]


Unregistered

Sub: #2 Arent they suposse to notify you of any garnishment taken out of
Sat, 11/28/2009 - 05:12



Arent they suposse to notify you of any garnishment taken out of your check>>payroll i mean..?i"m feeling rob they keep this up i will be homelss in new york city.


Unregistered

Sub: #3 I wasnt notified abot ant garnishment and they took more than an
Sat, 11/28/2009 - 05:08



I wasnt notified abot ant garnishment and they took more than and left me with like 20%.


Shazzers


Posts: 17425
Credits: 159275.2

Sub: #4 Quote:Originally Posted by Anonymoushi, wages have been coming o
Tue, 10/06/2009 - 10:26



Quote:
Originally Posted by Anonymous
hi, wages have been coming out of my paycheck and i wasn't notified and I do not know who is taking it. how can I know


Speak to your employer.

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Unregistered

Sub: #5 hi, wages have been coming out of my paycheck and i wasn't notif
Tue, 10/06/2009 - 09:44



hi, wages have been coming out of my paycheck and i wasn't notified and I do not know who is taking it. how can I know


Unregistered

Sub: #6 should you receive a letter before your check is garnished
Thu, 07/30/2009 - 13:47



should you receive a letter before your check is garnished


Unregistered

Sub: #7 on my check stub today they withheld money and the abbreviation
Fri, 07/10/2009 - 17:09



on my check stub today they withheld money and the abbreviation next to it was 01-Writ Garn...Can you tell me if my check was garnished?


Sam Glover
Debt Samaritan
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Credits: 3967.35

Sub: #8 Where do you live? In some states, a creditor does not need to f
Tue, 11/28/2006 - 13:26



Where do you live? In some states, a creditor does not need to file a lawsuit to garnish.

If you were never served, you will have to track down the law firm or creditor doing the garnishing. You need to talk to whoever does payroll and get a copy of the garnishment summons. If they don't have one, they shouldn't be garnishing. If they do have one, you have a right to see it, and you can contact the law firm or creditor to try to get them to stop (which they won't, unless you want to pay off the debt faster than the garnishment is doing).

Chances are good you will have to file the lawsuit and challenge the garnishment in court. You may want an attorney to help you with this.

BEFORE YOU SEND ME A PM: Unfortunately, I don't know anything about dealing with debt collectors, payday lenders, consolidating debts, and that sort of thing. I sue debt collectors for violations of the FDCPA, and I defend consumers sued by debt collectors.

sjglover.com
caveatemptorblog.com


finsfan13

Posts: 6934
Credits: 65210.6

Sub: #9 I would assume it's the name of the company garnishing you...Is
Tue, 11/28/2006 - 11:56



I would assume it's the name of the company garnishing you...Is there a total garnishment amount listed? What does it say after those letters?

26.2
Detroit Marathon, October 2009


Unregistered

Sub: #10 Does anyone know what the letters CGPG mean on my paystub?
Tue, 11/28/2006 - 08:09



Does anyone know what the letters CGPG mean on my paystub?


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