Can a creditor garnish my wages?

Yes, a creditor can garnish your wages in Virginia if you have been ordered to repay a debt. This is done through a process known as wage garnishment. In Virginia, creditors can garnish up to 25 percent of your disposable earnings, or the amount by which your disposable earnings exceed 30 times the federal minimum wage, whichever is less. This means that 25 percent of your wages can be taken to help pay off the debt you owe the creditor. If you are facing wage garnishment, it is important to understand your rights under Virginia consumer debt defense laws. You cannot be fired from your job solely because you are being garnished, and the amount of wages that can be garnished cannot exceed more than 25 percent of your disposable earnings. Additionally, if your wages are being garnished, the creditor must provide you with notice that your wages will be taken in order to pay off the debt. If you believe the amount of money being garnished from your wages is too high or that your rights as a consumer are being violated, you can contact a consumer debt defense lawyer for help. They can explain the laws in your state and help protect your rights.

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