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Q:
Do creditors have the right to garnish my wages?

Recently I had a credit card balance turned over as an unpaid debt. The last words I had with the creditor was that whoever would attempt to collect this would have the right to garnish my wages because I am working. Is this true? Where can I go to find out exactly what my rights are? -Gerry

Gerry,

Each state sets their own laws as to what, and how, a creditor can collect on a delinquent account. Some states permit a creditor to garnish a debtor’s wages, others don't. Some states exempt just about all assets a debtor has from seizure by a creditor to satisfy the payment of a debt. Other states can force you to sell some of your assets to satisfy a judgment.

For a list of state and county consumer protection offices, please visit the Federal Citizen Information Center's website.

Good luck,

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