Can a debt collector threaten to garnish my wages?

No, a debt collector cannot threaten to garnish your wages in New Hampshire. Under Consumer Debt Defense Law in New Hampshire, debt collectors are not allowed to threaten to garnish wages or take other legal action against a person in order to collect payment. This law is in place to protect consumers from debt collectors who may threaten to take legal action in an effort to illegally pressure a person into making payment. Furthermore, it is illegal in New Hampshire for a debt collector to publicly post any information regarding a person’s debt. Debt collectors are only able to garnish wages if the debt collector has obtained a judgment from a court. A judgment states that the debt collector may legally take certain steps in order to seek payment, which may include garnishing wages. If a debt collector has obtained a judgment, they must follow the court’s instructions in terms of how much money they can garnish from wages. Overall, debt collectors are prohibited from threatening to garnish wages in New Hampshire. They are only able to do so if they have obtained a court order that allows them to take certain legal steps in order to seek payment. If you believe that a debt collector is threatening to garnish your wages, you should contact an attorney in New Hampshire to learn more about your rights under Consumer Debt Defense Law.

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