Wage Garnishment Lawyer in Lufkin
Board Certified Consumer Bankruptcy Attorney at Your Side
If you are already experiencing the stress of being in debt, the last thing you need is a reduction to your paycheck. This is a possibility when you are in default on certain types of loans.
If some of your wages are being pulled from your paycheck to pay your creditors, our wage garnishment attorney in Lufkin can provide you with the legal assistance you need. The Law Offices of W. David Stephens offers comprehensive debt relief solutions to clients throughout all of East Texas.
Call (936) 298-5388 today to discuss your case with an experienced bankruptcy lawyer. You can also contact us online.
Wage Garnishment Laws in Lufkin
Wage garnishments—also known as wage attachments—are court or state agency orders that make your employer take money from your paycheck to pay your creditors. No matter how many wage garnishments occur, your employer is not permitted to terminate, reprimand, or demote you because of the wage garnishment.
Texas law puts limitations on wage garnishments to protect the well-being of debtors. There is a 50 percent maximum placed on the amount that can be taken from your disposable income.
Also, individuals can only have their wages garnished for specific types of debts, including:
- Child support and alimony allegations
- Federal taxes
- Criminal restitution
- Federally-guaranteed student loans
Wage Garnishment Exemptions
Wage garnishment exemption protects a certain type of income that prevent creditors from garnishing. The intention behind it is ensure that the individual has an income to pay for living expenses. Income from the following that can not be garnished are:
- Child Support
- Social Security
Garnished Wages for Student Loans in Texas
Student loans can be garnished in Texas. If you default on a federally backed student loan, you can have wages garnished by the Department of Education without a court order. The garnishment amount is limited to 15% of your disposable income, or less than 30 times the current minimum wage.
Stop Wage Garnishment Now
Depending on an individual’s financial situation, filing for bankruptcy could put an end to wage garnishments and discharge one’s debts. After filing, you may also be able to reclaim money that was taken from a paycheck up to 90 days prior.
To discover what debt resolution strategy is right for you, reach out to our Lufkin wage garnishment attorney at the Law Offices of W. David Stephens. No matter what type of debt you are facing, we have the knowledge and skills to help you get a fresh start with your finances.
To set up a free wage garnishment consultation, contact (936) 298-5388 now.