Wage Garnishment Lawyers in Worcester

Protecting Clients Throughout Central Massachusetts

If you are being garnished, it is critical that you take immediate action. If you fail to take action, your wages could be garnished to the point that you are unable to pay for your basic living expenses.

At Morrison & Associates, PC, we understand how difficult it is to face wage garnishment. We are here to help you protect what remains of your wages. Our seasoned Worcester wage garnishment attorneys can assist you in seeking the relief you deserve.

Start a free initial consultation with our Worcester wage garnishment lawyers at Morrison & Associates, PC. Contact us or dial (508) 928-3038.

What Is Wage Garnishment?

Wage garnishment is a legal procedure that takes a percentage of an individual's salary to pay off a debt. Wage garnishment is most commonly used to recover past-due credit card payments, unpaid alimony, and unpaid child support.

Garnishments come in a variety of styles. An ordinary garnishment is the most common sort of garnishment, and it is used to collect outstanding payments. An ordinary garnishment can be used to take up to 25% of a person's salary.

Creditors can request an administrative garnishment in some cases, which does not require a court ruling. Administrative garnishments are used to recover unpaid government debts such as taxes or student loans.

How Can I Prevent or Stop a Wage Garnishment?

Preventing or stopping wage garnishment in Massachusetts typically involves several strategies, but it's essential to understand your specific situation and seek professional advice.

Here are some general steps you can consider:

  • Negotiate with Creditors: If you're facing wage garnishment, open communication with your creditors is crucial. Try to negotiate an alternative payment plan, a settlement, or a lump-sum payment to satisfy the debt. Some creditors might be open to these options.
  • Filing Bankruptcy: It can prevent wage garnishment automatically, whether it is done so under Chapter 7 or Chapter 13. You may be able to restructure your debts and possibly discharge your obligations with the aid of this legal procedure.
  • Earnings Exempt From Garnishment: If your salary is modest, Massachusetts law exempts part of your wages from garnishment. The most a creditor can garnish is:
    15% of your gross income, which is the amount of your pay before taxes and other statutory deductions, or your disposable income, less 50 times the lower of the weekly minimum wages in Massachusetts or the federal government. Garnishments for domestic support, which includes child support and spousal support.
  • Legal Defense: If you believe the wage garnishment is unjust or based on incorrect information, you can hire an attorney to dispute the garnishment in court.
  • Financial Counseling: Seek help from a credit counselor or financial advisor to manage your debts, create a budget, and avoid future financial crises.

Remember, the effectiveness of these strategies can vary depending on your unique circumstances. Seeking legal advice from a Massachusetts attorney experienced in debt and wage garnishment issues is often the most reliable path to resolve your specific situation.

How Long Does a Wage Garnishment Typically Last?

The duration of wage garnishment can vary significantly depending on several factors, primarily the type of debt and the laws in your specific state. In Massachusetts, wage garnishment can continue until the debt is fully paid off. For most types of consumer debts, there is no statutory limit on how long creditors can garnish your wages.

However, in the case of federal student loans, creditors can garnish wages without a court order, and this garnishment can continue until the loan is paid in full. Additionally, child support and alimony garnishments can persist as long as these obligations are in effect.

For other responsibilities, such as credit card debts or medical costs, the length of the garnishment is decided by the terms agreed upon with the creditor or the outcome of court proceedings. To potentially stop or minimize wage garnishment, it is critical to resolve the underlying debt via conversations with creditors, legal assistance, or bankruptcy contemplation.

How Can We Help You?

At Morrison & Associates, PC, our experienced wage garnishment attorneys in Worcester can help you obtain immediate relief. We can file motions with the court to stop ordinary garnishments, administrative garnishments, and even bank garnishments. We can also help you file for bankruptcy.

Filing for bankruptcy can provide you with immediate wage garnishment relief.

Bankruptcy can:

  • Stop all pending and future garnishments
  • Allow you to keep all of your wages
  • Allow you to keep your home
  • Allow you to eliminate credit card debt, and medical bills, and other unsecured debts

Bankruptcy can also help you reorganize your finances, which can make it easier for you to pay your creditors. In many cases, bankruptcy can also help you eliminate credit card debt, medical bills, and other unsecured debts.

Let Us Help You

If you are being garnished, you do not have to face this situation alone. Our skilled Worcester wage garnishment lawyers can help you obtain the relief you need. We can help you file for bankruptcy, stop garnishments, and more.

Contact us online or call (508) 928-3038 to schedule a free initial consultation with our experienced wage garnishment lawyers in Worcester.

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