My Wages Have Been Garnished, Is That Legal?

Creditors can legally garnish your wages under certain conditions and through court order or judgement. Although there are laws in every state concerning this issue, Federal Law takes precedence. Judgement creditors can garnish your income but are limited to 25% of your earnings after mandatory deductions or the amount of your weekly wage that exceeds 30-times the then-current minimum wage where you live, whichever is lower.

If you are already lost, you are not alone, and many creditors mess this up, which means your garnishment might not be completely legal. If you are the least bit unsure, you need to contact a lawyer. You may be able to get an exemption by the court, but the longer you wait the tougher it will be to rectify the situation or get some of the money back that was taken incorrectly.

How Long Do Wage Garnishments Last?

Wage garnishments will continue until the debt owed is paid, or temporarily if you file for bankruptcy. Your employer is required to set aside this money if there is a court order, but cannot penalize you in any way for the extra trouble in dealing with it. If they do there can be penalties, especially in the cases of child support, or spousal support garnishments.

These types of family law garnishments take precedence and in California, such garnishments can be large and you must pay. Even if you file an “undue hardship” with the court, you’ll still have to pay. If you have a double garnishment – money to creditors and money for child and/or spousal support, the later comes first, even if there isn’t enough left to pay the creditors anything.

Creditors Must Tell You in Advance of Wage Garnishments

If you have a judgement against you and you are in default and have not paid what you owe, you will be notified by your creditors 30-days in advance of the wage garnishments. This is often a debated point, as sometimes the debtor has moved or tried to hide and thus, could not be contacted.

Your employer must give you a copy of the garnishment paperwork from the creditor, if you didn’t get a copy, then go to your payroll department and ask for it. Take notes of when and what was said.

Getting Garnishment Money Back

If you file for bankruptcy, either Chapter 13 or Chapter 7 Bankruptcy you can often get your money back and halt further wage garnishments during the proceedings. Of course, you will need a legal eagle on your side to make this happen. You may not be able to discharge the debt owed depending on what it is, but it might give you a temporary reprieve so you can get your financial situation back in order without becoming homeless or losing everything.

If you are in this case, you’ve probably put off contacting an attorney too long, and you need to get on the phone right now and schedule a time to talk about your total situation and all the options you have. The longer you wait the fewer options you’ll be legally entitled to.

Business Lending Companies an Overview of the SBA, Online Lenders, and Other Options

There are funding solutions for all types of businesses, although the more established businesses in good financial standing have the most options. Business lending companies vary from SBA-associated organizations to “angel investors”. The most common types of lenders are obviously traditional banks, but that might not be the right option for you.

If your company is just kicking off, you’ll need to look into start-up loans as well as crowdsurfing solutions (if you are able to come up with a good viral campaign). There are also internet-based lenders that are always looking for new businesses with good, innovative ideas.

SBA loans aren’t for everybody, but you might want to consider them if you think you’ll be able to qualify. It’s not true that the government gives them away as start-up loans. It is true, however, that they have different credit underwriting terms, standards, and several other factors that set them apart from traditional business loans.

Keep in mind that the Small Business Administration does not actually give out money itself- it has a menu of offerings through the firms it partners with. Whether you are looking for funds to help you get started with a small business, to recover from disaster, or for expansion purposes, there might be an option for you through the SBA.

Business Lending Companies Online

There are businesses who would prefer to go through the online funding offers – especially those that aren’t as strict with their requirements. For instance, most lenders will check your personal and business credit history to evaluate your amount of lending risk. If you don’t have a good, strong credit history, you’ll have to start cleaning up your debts and getting credit repair services to help you improve your score as quickly as possible.

No matter which business lending companies you are considering, you’ll need to have a solid business plan. This plan should include detailed short-term and loan-term goals. If you have a financial advisor or certified public accountant, have them to review the plan to let you know if it is financially feasible and if everything looks good.

Consider your cash-flow cycle and expenses as well. The cash-flow cycle includes payments and the flow of cash – both in and out. The expenses obviously refer to the amount of money you need currently and will need in the future in order to meet your financial goals.

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