Can a creditor garnish my wages?

Yes, a creditor in South Carolina can garnish your wages. The garnishment of wages, also referred to as wage garnishment, is a process by which a court or even a government agency orders your employer to withhold a certain portion of your earnings for payment to a creditor. Under Consumer Debt Defense Law in South Carolina, creditors may garnish wages if they have a court order or you fail to make payments on a debt. Under South Carolina law, there are limits to how much a creditor can garnish in each pay period. For most creditors, the amount can be no more than 15% of your disposable earnings, or the amount of your disposable earnings that exceed 30 times the federal minimum wage, whichever is less. Additionally, a creditor must provide you with notice 10 days prior to the garnishment of your wages. The notice must include the amount of your debt, the maximum amount that can be taken from each pay period, and information on how you can contest the garnishment. If you are currently being garnished, you may be able to stop the garnishment under Consumer Debt Defense Law in South Carolina. Different options may be available to you such as filing for bankruptcy or considering a debt repayment program. It is important to speak with an attorney to discuss your options and potential legal consequences.

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Can a creditor garnish my wages?

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