Can a debt collector threaten to garnish my wages?

In Wisconsin, a debt collector cannot threaten you with wage garnishment in an effort to collect a debt. Under the Wisconsin Consumer Debt Defense Law, a debt collector must clearly state any available legal options for collecting a debt, and that wage garnishment is not among them. The law also prohibits debt collectors from making false or misleading statements about the collection of a debt. This includes threatening to garnish wages without having the legal authority to do so. It is important to understand that debt collectors may still be able to garnish your wages, if they are able to obtain a judgment from the court. If a debt collector sues you and is able to obtain a judgment, the court may order wage garnishment. If this happens, you will be notified and will have an opportunity to respond before garnishment begins. It is important to respond promptly, if possible, to protect your rights. In some cases, a debt collector may also be able to garnish your wages without going to court. This is only possible if you have signed an agreement to allow wage garnishment as a form of payment. In summary, a debt collector cannot threaten to garnish your wages in Wisconsin without legal authority to do so. However, a debt collector may still be able to garnish your wages if they obtain a judgment from the court or if you have signed an agreement stating that they may garnish your wages.

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Can a debt collector threaten to garnish my wages?

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