Booby trap

Posted in Wage Garnishment by admin on September 28th, 2009

More info…
pa href=http://www.flickr.com/people/anttyblog/ antty /a posted a photo:/p
pa href=http://www.flickr.com/photos/anttyblog/3952561595/ title=Booby trapimg src=http://farm3.static.flickr.com/2605/3952561595_cf9a6ed2a1_m.jpg width=240 height=150 alt=Booby trap //a/p

pWage waiting for danbo to fall into his trap./p

Wage Garnishment

Creditors threatening with wage garnishment
Wage garnishment is a legal procedure applied by a creditor to get his amount back from a debtor from his monthly earnings. The creditor gives loan to a debtor in his hour of need and when he demands it back, the debtor denies paying it. In spite of demanding various times, the debtor refrains from attending the debtor’s calls or ignores him completely. This puts the creditor in a horrible situation. The creditor sues the debtor in the court and the court obliges the creditor by issuing a notice stating the debtor’s employer to deduct a specific amount as wage garnishment from his monthly or weekly earnings to the creditor against his debt. Wage garnishment is a real threat from the creditors. As an employer receives an order from the court, he cannot deny reducing the amount from his employee’s salary who is a debtor. In case the employer denies reducing the amount, he will have to face serious consequences for disobeying the court’s law. However, this act also saves the employment of the debtor. This is so because as per law, an employer cannot fire an employee when he is undergoing wage garnishment. But, there is no rule that the employee cannot quit his job. He is free to do so. In such circumstances, the creditor has to trace his new whereabouts and once again begin the wage garnishment process all over. The creditors have all the authority to apply for wage garnishment in case the debtor fails to pay the debts. In case the creditor needs to apply for the same, he must obtain a writ order from the court. However, it is up to the court, eventually to decide the amount to be garnished from the debtor’s wages. The court does not take sides; it decides on the facts presented and calculates the need of the wage garnishment. Generally, it is noted that the creditors point is considered effective and a writ order is released. It is not advisable to convince the creditors to give away the idea of garnishment as the debtor has a history of denying debts. The creditors use the wage garnishment as a threatening tool to collect the amount due from the debtor. The wage garnishment is the appropriate way of threatening and as it is legal it cannot be denied on the face value. However, the wage garnishment can be stopped if necessary, but is a difficult job. The court procedures once issued as a writ order cannot be reversed conveniently.

nj wage garnishment rules