Hello.
I read the FAQ but I'm still confused.
Can I please ask about this? I hope to retire from a company based in Atlanta, Georgia, this August.
If I become a resident of South Carolina, how long do I have to live in the State of South Carolina before I can be protected from wage garnishment?
Also, someone told me that the protection from South Carolina about garnishments and credit card companies only exists for citizens working for a company based in South Carolina. But the company I will be getting retirement pay from is based in Atlanta, Georgia. How can I verify this? Is this true?
Do I need to move to South Carolina before a judgement is issued? Will this help? I can't live on 25% of my retirement pay being taken in a garnishment.
Thanks.
I read the FAQ but I'm still confused.
What if I live in one state, but work in another; or what if I no longer live and work in the state where the judgment was issued?
If you no longer work in the state from which the judgment was issued, the creditor is not without recourse. For example, if a creditor has a judgment against the debtor in CA, but the debtor now lives and works in NV, the creditor has to get the judgment recognized in NV; that process is known as domesticating the judgment. Domesticating a judgment is an easy process; the creditor needs to only complete some paperwork, allow some time for objections, and pay a fee. Granted, a creditor doesn't want to have to do this, so if you no longer reside or work in the state where the judgment was issued, the odds of your wages being garnished decrease, but a motivated creditor can still garnish your wages. (assuming you didn't move to South Carolina or Texas )
If you no longer work in the state from which the judgment was issued, the creditor is not without recourse. For example, if a creditor has a judgment against the debtor in CA, but the debtor now lives and works in NV, the creditor has to get the judgment recognized in NV; that process is known as domesticating the judgment. Domesticating a judgment is an easy process; the creditor needs to only complete some paperwork, allow some time for objections, and pay a fee. Granted, a creditor doesn't want to have to do this, so if you no longer reside or work in the state where the judgment was issued, the odds of your wages being garnished decrease, but a motivated creditor can still garnish your wages. (assuming you didn't move to South Carolina or Texas )
If I become a resident of South Carolina, how long do I have to live in the State of South Carolina before I can be protected from wage garnishment?
Also, someone told me that the protection from South Carolina about garnishments and credit card companies only exists for citizens working for a company based in South Carolina. But the company I will be getting retirement pay from is based in Atlanta, Georgia. How can I verify this? Is this true?
Do I need to move to South Carolina before a judgement is issued? Will this help? I can't live on 25% of my retirement pay being taken in a garnishment.
Thanks.
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