When borrowers amass huge amounts of debt and are unable to repay some or all of it, lenders have alternative means for recovering debt payments. One way is through wage garnishments.

Through wage garnishments, creditors recover debt by taking money from a borrower’s paycheck before it is issued to the borrower. Wage garnishments are not only common but typically legal.

However, borrowers have some rights. For instance, they cannot be fired for being in debt and lenders can only take 25% of their earnings in most cases.

In order to avoid wage garnishments, individuals should take one of a number of actions, including not overcharging their credit account, paying off their bills  on time, and not ignoring late payment notices.

If you are struggling with debt and may face the prospect of wage garnishments, contact the Birmingham personal bankruptcy lawyer Paula Greenwayat 205-324-4000.