What Can I Do About A Garnished Paycheck In Maryland?
As a Maryland bankruptcy attorney, I have many clients come to me because their paychecks are being garnished. This makes it hard for them to pay their rent, car payments and utilities.
It is important to note that some debts, such as student loans and taxes can be taken from your paycheck without a court judgment. I have clients tell me that creditors have called them over the phone and threatened garnishments. But when we check the court records, they do not have a judgment against them. If you want to see if you have a judgment against you go to http://casesearch.courts.state.md.us/inquiry and enter your name.
Once a creditor has started garnishing your paycheck, the best option may be to file a bankruptcy. This will immediately stop the money from coming out of your check. This will stop all creditors, including taxes and student loans from taking any more money.
Also, if they have taken more than $600 you may be able to get some or all of your money back. That’s because a garnishment is a “preference”. This means that one creditor is getting more than other similar creditors. In addition to being a preference, the debt must also be dis-chargeable.
If you have question or would like to discuss your particular situation, call me at (443) 860-0088 for a free consultation.