Can a debt collector garnish my wages?

In Pennsylvania, a debt collector can garnish your wages if you owe a debt but only if they have gone through the proper legal process as outlined by consumer debt defense law. The Fair Debt Collection Practices Act (FDCPA) states that a debt collector must first obtain a court order called a "wages garnishment" order before they can attempt to withdraw any money from your paycheck. The order must be served to your employer, along with instructions on how much money to deduct from your paycheck per pay period. If you are served with a garnishment order, you still have rights. You should read the order carefully and make sure you understand it. You may be able to file an appeal to reduce the amount of money being garnished from your paycheck. You may also be able to negotiate a payment plan with the debt collector. If a debt collector is unlawfully garnishing your wages, you should contact a local consumer protection agency or lawyer immediately. They may be able to help you dispute the debt or stop the garnishment. Consumer debt defense laws ensure fair debt collection practices in Pennsylvania, but it is important to understand your rights if you are served with a garnishment order. If you are ever in doubt, do not hesitate to seek professional legal advice.

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Can a debt collector garnish my wages?

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