Stopping Wage Garnishment

[samson420]

Alright here are 100% of the facts. . . .

This is my GF. I just filed for a Chapter 7 and am now free and clear.

She has about 20k in unsecured BS. This was inc rued by her previous relationship. But, all of this is under her name. She also just had a foreclosure.


She wants to go back to school for a extended period of time. She is serious about going back to school.


She still needs to work. I can not afford everything on my own and don't really want to try.

I am thinking if she works part time hours she can get away with not paying until she is finished with school and the statute of limitations has kicked in.

In AZ it is 6 years for them to collect on a debt.


I just can not figure out how little does she have to make to get away without being garnished.


A BK with 20k is a joke to me.

[frogger]

They take 25% unless your state has tougher restrictions than the feds.

Can't pay your rent AND feed your kids after they take their cut? If you're looking for sympathy or compassion from one of these worms, you're going to a dry well. They'll say you should have thought of that before you made all those charges.

That's right. But then, you could always do like so many others do and just quit your job. That stops the garnishment for a time too.

[jlmaca]

Is there a way to prevent wages from being garnished?

Income is at about 2k a month, a total of about 20k in debt.

The first creditor seemed to have started a motion towards a judgment on a 7k account.

Also the house was just foreclosed on about 3 months ago.

I live in AZ. . . . . I really would like to know how to stop from garnishment taking place. Even if it is a reduction in income.

Yes there is a way! You could file for BK. That would stop any wage garnishments. If you have 20K in debt and don't file, the debt will follow you everywhere and so will the phone calls, being sued, court judgements etc etc. Do you intend to pay this money back? Payment plans? That will also stop any garnishment.

[MSbklawyer]

No Social security and child support, just unsecured BS.

What if your rent alone is 550 Bucks?

Can they garnish below a living expense threshold?


Just rent, food and car insurance will still be at least 800 Bucks a month. Can they go bellow that?

They take 25% unless your state has tougher restrictions than the feds.

Can't pay your rent AND feed your kids after they take their cut? If you're looking for sympathy or compassion from one of these worms, you're going to a dry well. They'll say you should have thought of that before you made all those charges.

[samson420]

No Social security and child support, just unsecured BS.

What if your rent alone is 550 Bucks?

Can they garnish below a living expense threshold?


Just rent, food and car insurance will still be at least 800 Bucks a month. Can they go bellow that?

[forgotten]

AZ allows for 25% of your net pay to be garnished. If you can show a hardship a judge can lower it to 15%.

Social security and child support are exempt, as well as weekly earnings of 30x minimum wage.

So if you want to avoid it all together you would need a minimum wage job and work less than 30 hours per week (or a job at 2x min wage and only work 15 hours).

[samson420]

Is there a way to prevent wages from being garnished?

Income is at about 2k a month, a total of about 20k in debt.

The first creditor seemed to have started a motion towards a judgment on a 7k account.

Also the house was just foreclosed on about 3 months ago.

I live in AZ. . . . . I really would like to know how to stop from garnishment taking place. Even if it is a reduction in income.