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Is There Any Way to Predict a Wage Garnishment

? Having a garnishment on your paycheck is a terribly unpleasant situation for most. It is a common method used by creditors in an attempt to pay a debt that is owed to them.

According to Missouri wage garnishment laws, creditors can take up to 25% of your paycheck or 10% if you are head of household. According to Illinois wage garnishment laws, creditors can take 15% of your paycheck, regardless of whether you are head of household or not.

Do you have to have a certain amount of debt for your wages to be garnished? Is there a certain time period in which your creditors will start to garnish your wages? No. There isn't a common time or amount of debt that causes creditors to garnish your wages. It does, however, take time and effort to do so.

Creditors can't put a garnishment on your check without first going through the proper channels. They must file suit against you in regards to the debt, get a judgment against you for the amount you owe, and file an order with the court in order to garnish your wages. Unfortunately, this could be a routine practice for some creditors. If it isn't much of a hassle, you may see a garnishment on your check sooner than you thought or for a relatively low amount of debt.

Garnishments come with a time limitbut many creditors just continue to renew the garnishment until the debt is paid. That means you could be stuck giving up a portion of your paycheck indefinitely. A garnishment isn't just embarrassing, it reduces your ability to support and protect your family. Fortunately, there is a way to stop a garnishment on your check.

Missouri or Illinois Chapter 7 bankruptcy can put a stop to your wage garnishment and help you eliminate your debt. A St. Louis bankruptcy attorney can also assist you in getting protection from foreclosure, stopping repossession, and preventing your creditors from calling you or taking any more action against you.

Wondering if Missouri or Illinois Chapter 7 is the right solution to your debt? Take the time to make sure you understand every option you can choose for relief. Don't forget, doing nothing about your debt won't change anything. If you want to change your life, you have to take action. You can begin to make an educated decision by looking up free information from the best attorneys in your area. Many attorneys will offer a free consultation but the best bankruptcy attorneys will offer you free information before you even set foot in the door.

About Author Jim Brown :

Missouri Bankruptcy attorney James Brown has been working to relieve the debt of hard-working American families for over 15 years. He has dedicated his career to educating consumers about options for debt relief and has released 5 publications, including, "Get Out of Debt: Secrets Your Creditors Don't Want You to Know." You can request a free copy at <a href="" target="_blank"></a>

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Article Added on Monday, August 23, 2010
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