"Can a debt collector garnish my wages without a judgment?"

Published on September 29, 2021

Interesting reviews relevant with secure Debt Loan, Bankruptcy Attorney, and Can Unsecured Debt Be Garnished, "Can a debt collector garnish my wages without a judgment?".


The short answer is not normally.

Normally the debt collector must have a judgment against you in order to garnish your wages in Alabama.

There are some exceptions when dealing with federal student loans or other federal debts but if we are talking about a credit card or medical bill or home mortgage or car loan, it normally violates the FDCPA (Fair Debt Collection Practices Act) for the collector to threaten garnishment. Unless they have a judgment.

If you have questions about whether the collector has violated the law so that you can sue the collector, get with a lawyer in your state to help you answer those questions.

If you are in Alabama we are happy to talk to you.

Best wishes and thanks for watching the video!


John G. Watts
Watts & Herring, LLC
Representing consumers across Alabama

“No representation is made that the quality of the legal services to be performed is greater than the quality of legal services performed by other lawyers.” Our free weekly webinar is here — https://my.demio.com/ref/ZHxa8NhYRNApOiyH — on Thursday we’ll be talking about some of the new FDCPA rules. Join us if you can!

“No representation is made that the quality of the legal services to be performed is greater than the quality of legal services performed by other lawyers.”

Can Unsecured Debt Be Garnished

Can Unsecured Debt Be Garnished, "Can a debt collector garnish my wages without a judgment?".

Monetary Flexibility – Financial Obligation Relief – Go Hand In Hand

I will not make a recommendation here as that would not be prudent. With the secured financial obligation consolidation loan, you can make your life debt-free. Keep each of your balances at less than 50% of your limitations.

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Let’s End Up Being Financial Obligation Free

There are a number of factors that might be attributed to this. Bank loans are great examples of Secured Debt. In all probability, something other than debt consolidation may work and be much more effective in the long run.

Credit cards, and revolving credit in basic, can be both a true blessing and a curse. It is definitely a blessing in a time of requirement when you lack money and have an emergency. Sadly it ends up being a curse if you are not able to repay it on time. There are a number of simple things you can do to much better handle your revolving financial obligation, which consists of charge cards, gas accounts, and department store cards.

If it is a Secured Debt, such as a home, home or car, the item worth is held as collateral for the financial obligation. If you die while cash is still owed, then the item can be taken by the loan provider and offered to satisfy the financial obligation.

You will find a variety of choices for secured financial obligation combination online. The Web can be utilized to try to find the financial obligation alternatives from the comfort of your house. However you need to devote time and work a bit hard to find the finest option.

Settlement and management both work by getting the concept amounts owed reduced. Working through debt relief business instead of consolidators, a customer can be Debt Free in 12 to 36 months, and still have the one monthly payment plan that combination provides. They both make good sense. The customer manages to remove his/her financial obligation, but doesn’t take fifteen or twenty years to pay back a huge loan. A few years can make a big difference.

Types of charge account open – Charge card are called Revolving Debt. I suppose it’s because of those minimum payments that are due with no genuine strategy for benefit. The debt just keeps revolving month after month. The more revolving debt you have the lower your rating will be. However, all of these charge card may not be reported precisely. Something as simple as an inaccurate credit line might be hurting you. Chances are you can dispute these items while repairing your credit and increase your score. Credit repair can assist tidy up these mistakes.

Examine the reasons you utilize your charge card. Go in for a card that provides benefits on these transactions if you find that you utilize it just for routine grocery and domestic purchases.

Here is a tip for you, among the very best choice to get secured loan is a home financial obligation consolidation loan. It has low rates of interest. As there is no risk of losing your home or car. If you are unable to make payments, it will be difficult to discover a good deal on secured financial obligation consolidation. If it is tough for you to pay the lump sum or small payments, tell the company about it, they might inform you any much better method to pay your debts OR they might add your payments to previous payments and make it balanced. Being respectful can likewise be extremely helpful, as the business representative can assist you figure out numerous issues.

Management, relief and combination all offer some type of option to your credit problems. Initially, make sure that all of your loan payments are up to date. There are a number of aspects that may be credited to this.

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