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Are there limits to how much of my wages can be garnished? Atlanta, GA

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Are there limits to how much of my wages can be garnished?

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If you owe money to creditors, one option they have to get that debt repaid is through a process called wage garnishment. Creditors may pursue this option if you have not responded to other types of request for payment, though they will still need a court order to intercept money paid by your employer.

This can be a very serious situation and one that you may want to resolve with the help of an attorney. In many cases, the amount of wages that are garnished can be enough to put considerable strain on your life and the financial support you provide for your family. However, it is important to understand that there are state and federal limits on wage garnishment. Knowing these limits can help you understand your situation and why you will want to know what options you have to stop or prevent wage garnishment.

Every state sets its own limits that dictate how much money can be taken from your income. The limit for wage garnishment in Georgia is set at either 25 percent of a person’s disposable weekly earnings or any income over $217.50 per week, which is 30 times the federal minimum wage, whichever of the two sums is less.

It is important to understand that these calculations are based on a person’s disposable earnings. This means that required deductions including taxes, Social Security and employee retirement withholdings will not be subject to garnishment.

Even though there are limits in place and garnishment should not make it impossible for a person to cover living expenses or cause extreme hardship, it can still be extremely upsetting to have that much money taken out of your employer-paid income.

Thankfully, there are ways to stop wage garnishment, including filing bankruptcy. Having your debts discharged or repaid through repayment plan can effectively stop creditors from taking money from your paycheck. However, while this can certainly be the right option for many people who are struggling with unpaid debt, it may not be the right solution in every case. In order to determine what option may be best for your individual situation, it can be a good idea to speak with an attorney.

Posted on behalf of Gingold & Gingold

1718 Peachtree St NW, #385
Atlanta, GA 30309

Phone: (404) 685-8800

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Gingold & Gingold LLC
5.0 / 5.0

Based on 28 reviews

Jack L.

They did an excellent job with my case. Jamie took the time to really listen and understand things. She delved into the details and was extremely knowledgeable and non judgmental. Very professional and they know what they are doing. Would definitely recommend!

All C.

Mr. Gingold was recommended by an attorney I had worked with previously. I met with Ira Gingold to discuss credit issues. He went over each specific issue thoroughly. He advised me of the potential outcomes. He did all this in one meeting for a very reasonable price. When we finished I was confident in moving forward with a resolution. He definitely wants to help people take the appropriate course of action for their circumstance.

Karen B.

Dear Mr Gingold, There are so many reasons to be thankful for all you have done and will do. Anyone who has ever had unfavorable experiences with an attorney or the legal system will feel the trepidation that I experienced once I realized that my situation seemed hopeless. It was by chance and happily good luck that I decided to put my future and sanity into your hands. I was mortified at having to deal with my debts by claiming bankruptcy. I remember in our first meeting how you assured me that I was not alone and should not feel ashamed. And, anyone in this position obviously does not have money to spare and you were clear about all the costs and allowing me to pay according to my own ability to do so. You advised me in all aspects of the law, but also, you were at each meeting incredibly supportive and complementary of my personal and professional plans. Anyone else in this situation should feel blessed to have access to your expertise and support.

Lyla B.

I thought the process of filing bankruptcy was going to be a difficult one. However, Gingold & Gingold treated me with respect and dignity from the moment I walked through their door. I had the pleasure of working with Jamie. She is very responsive, professional, and knowledgeable. She took the time and listened to my every concern and handled each and every one of them to my satisfaction. My experience with filing bankruptcy under Gingold & Gingold's representation exceeded my expectations in a major way. They gave me such a peace of mind. I am very pleased with my decision of going with Gingold & Gingold to represent me when I filed Chapter 13 bankruptcy.

Julie T.

Wow! I am finally out of debt and can say that I am debt free after completing my chapter 7 bankruptcy case with Gingold and Gingold. Mr dangled was very knowledgeable and direct with regard to my debt situation. there were no surprises and the case went as I was advised. The staff was also very helpful whenever I had a question. I will definitely recommend them in the future to my friends.

Sherard W.

I cannot say enough about this law firm. From the initial consultation to our discharge, the entire office kept me updated with every step of the entire process. I came to the Gingold after a bad experience with another law firm. Ira and Jamie immediately began treating me like family through this experience. In the end, they assisted with eliminating many debts including my 2nd mortgage. I cannot say enough about the experience and knowledge that Ira brought to the table from the office visits to the court time. Thank you very much for helping me through this tough time. Thank you.

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