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Wage garnishment is actually a legal process, by which an employer can [link widoczny dla zalogowanych] withhold a percentage of the employee's salary according to a court order. This is viewed as the final alternative for [link widoczny dla zalogowanych] a creditor to recuperate funds from a debtor. Therefore, this process [link widoczny dla zalogowanych] involve three parties namely the debtor (the employee); the creditor (person who lends the money) and the garnishee (employer). This action is allowed in just about all the states in America, but [link widoczny dla zalogowanych] the maximum amount which can be garnished from an employee's salary will be determined by the law.

Throughout the United States, federal law helps to protect a debtor by setting up [link widoczny dla zalogowanych] this garnishment amount to around 25 % of this persons disposable earnings; the total salary less income tax. A garnishment order can be given for any kind of financial obligations. But, the popular debt problems which might bring about this action include taxes, alimony, child support, credit cards and non-payment of student loans. [link widoczny dla zalogowanych]

Ways to deal with this procedure

In the event that a debtor fails to repay owed funds on time, he or she can expect to get wage garnishment. When this occurs, a creditor may [link widoczny dla zalogowanych] first inform [link widoczny dla zalogowanych] the debtor by delivering a package which incorporates the court order, letter and spreadsheet and also a certification form intended for the employer.

This employer must complete the certification form and then return this to [link widoczny dla zalogowanych] the creditor who will take further action. This employer is likewise accountable for working out the appropriate amount for garnishment. In cases where this action should be carried out for several creditors, the employer will decide in accordance to a priority basis.

This [link widoczny dla zalogowanych] procedure can affect debtors in several ways, as he or she will encounter problems when applying for loans, credit cards as well as to open bank accounts. A debtor might also have problems with emotional stress, since the employer will become aware of their financial [link widoczny dla zalogowanych] situation. But, one important factor of this procedure is that an employer is unable to terminate a worker on the [link widoczny dla zalogowanych] grounds that this person's salary is subjected to garnishment in order recover debt.
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