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If you’re faced with the prospect of wage garnishment in Hamilton, OH, due to outstanding debt, being fully aware of your rights is crucial. That’s why attorney Harry B. Zornow strives to provide local clients with the information they need on matters related to debt and bankruptcy. With over 30 years of legal experience under his belt, Attorney Zornow remains a trusted legal advocate for those contending with massive debt. He can also help you understand current laws regarding wage garnishment and creditor harassment.

The Fair Debt Collection Practices Act

wage garnishmentPrior to 1977, Ohio creditors were allowed to utilize many unsavory practices when attempting to recoup the debt. The Fair Debt Collection Practices Act put a stop to nefarious debt collection methods, such as threatening physical harm due to non-payment of debt. While this act subsequently did away with abusive practices, creditors are still permitted to enact measures like wage garnishment, which entails taking funds directly from a debtor’s bank account to satisfy money owed. However, there are certain steps that must be taken to ensure creditors remain in compliance with the law.

When Wage Garnishment Is Unlawful

Wage garnishment actions are unlawful when they take place without notifying the account holder. Additionally, creditors are not permitted to misrepresent certain aspects of debt, such as the amount, legal status, or character of the debt.

Regarding the actual garnishment of wages, creditors are restricted in what they can collect from you. Government wages can only be taken if your debt involves a federal agency, and the first $217.50 of your income must be left alone when garnishment occurs. There are also protections in place for your pieces of property, such as homes and cars.  

Don’t let debt and wage garnishment destroy your chance at a bright future. Harry B. Zornow can assist you in tackling outstanding debt by getting your finances back on track. If you’d like more information on filing for bankruptcy, feel free to visit the website.  You can also call (513) 737-9770 today to schedule your consultation with a skilled attorney in Hamilton, OH.

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