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For example, North Carolina, Pennsylvania, South Carolina and Texas don't allow wage garnishment for debts owed to creditors although federal law allows it.
File a Claim of Exemption For example, if your income is already being garnished by another order, it could reduce the impact of any new garnishments. Additionally, certain types of income may be exempt from garnishments in general, including alimony, child support, Social Security, retirement and disability income.
State Garnishment Laws If a state law is less restrictive, the federal law prevails. While all states allow wage garnishment for child support and unpaid state taxes, four states ? North Carolina, Pennsylvania, South Carolina and Texas ? don't allow wage garnishment for creditor debts.
Information in the Letter For example, you must clearly write the employee's full legal name and Social Security number, as well as the date. The notice should include why the employee is receiving the notice, such as not paying child support, as well as the actual percentage that will be deducted.
Social Security, and other government benefits or payments. Funds received for child support or alimony (spousal support) Workers' compensation payments. Retirement funds, such as those from pensions or annuities.
The key difference is that a garnishment is used to allow creditors to contact your employer and take part of your wages from your paycheck, while a levy permits a creditor to withdraw funds from your bank account directly.
Example Letter to Stop Wage Garnishment I am writing to request that you stop the wage garnishment that is currently being imposed on me. I am unable to make the payments at this time due to [insert reason, such as financial hardship]. I have attached documentation that supports my claim.
What States Prohibit Bank Garnishment? Bank garnishment is legal in all 50 states. However, four states prohibit wage garnishment for consumer debts. ing to Debt.org, those states are Texas, South Carolina, Pennsylvania, and North Carolina.