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Report: Wage garnishment for debts has doubled since 2007 Atlanta, GA

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Report: Wage garnishment for debts has doubled since 2007

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Financial strain takes a toll on Georgia families every day. As people try to recovery from the economic recession, debt continues to make this very difficult. In some cases, people learn that their wages will have to be garnished to repay debts, which only makes the pursuit of financial stability that much more of a challenge.

According to a recent report by ProPublica, the number of people having their wages garnished because of consumer debt has nearly doubled over the past seven years. Employees are seeing their paychecks diminished by creditors, whether a person’s debt stems from credit cards, unpaid loans or medical bills. 

ADP, a payroll services company, has noted that 3 percent of all workers in the U.S. had wages garnished last year. Further, they found that the people who are most likely to have their pay docked to pay creditors are earning between $25,000 and $40,000 a year, which means that people already struggling to make ends meet with their income are taking home even less money when creditors take a cut of their paycheck.

While wage garnishment may be an effective way for creditors to collect payment, it really only perpetuates a cycle of debt. Taking home less money means that employees may need to continue to rely on credit cards or miss other bill payments.

Generally speaking, wage garnishment is court ordered. This means that creditors and consumers have to go to court in order to fight for or against wage garnishment. If a person does not have legal support in these hearings or does not respond to them, the judgment will often be in favor of creditors.

In order to avoid wage garnishment, or to take a more comprehensive approach to dealing with unmanageable financial obligations, it can be wise to discuss the situation with an attorney. Legal representation can be enormously helpful for people who must appear in court, and a bankruptcy lawyer can provide critical answers to people regarding their options for seeking debt relief solutions.

Source: Wall St. Cheat Sheet, “The Ghost of Debts Past: Americans Face the Reality of Wage Garnishment,” Katey Troutman, Jan. 26, 2015

Posted on behalf of Gingold & Gingold

1718 Peachtree St NW, #385
Atlanta, GA 30309

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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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