Wage Garnishment

[PineappleMama]

Difference is with IRS or Child Support repayment they will at least try and make it where you can still live on what's left.

A debt company doesn't have to bother with that. They just want to get as much as they can as fast as they can.

 

[beerman]

I don't have a wage garnishment we were talking about it at work last night, and I said I dont know how anyone could find me, I dont have a bank account, mortgage, credit cards or anything. I paid all mine off a few years back and canceled them all.

 

[sparkles2307]

Employers have to file quarterly reports in order for services like Child Support to establish payments. The IRS interfaces with all those government agencies, and apprently creditors, to ensure that "fraud" occurances are kept to a minimum. I work at a food stamp office, a lot of my clients would never tell me that they got a job so I rely on those IRS messages that wages are being earned on that SSN.

 

[Chicky Tocks]

Quote:
Zactly! That's because most people who have had their wages garnished, are already credit dead. So, if you're credit is already destroyed, most people will go on to file a bankruptcy which will immediately stop a garnishment.

 

[Intheswamp]

I'm not sure about other states, but Alabama has what they call a "New Hire Program". The employer has to fill out official form with a new employee's information and mail it to the Department of Industrial Relations. One of it's purposes is to locate and identify people who owe the state money or have outstanding garnishments against them.

Ed

 

[Sillystunt]

Quote:
don't order anything and have it come to your house...they will find you!

 

[WingingIt]

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It sounds like it's nothing you'll have to ever worry about, but you work, you get paid and (I'm assuming) you have a social security number that your employer uses to report your income.......they could find you easily.

 

[acid_chipmunk]

In PA the only thing they can garnish your wages or bank accounts for is Child Support or back taxes, nothing else.

 

[tplummer]

I did payroll for 6 years. They do track you through your SS# and your tax returns.

 

[HeatherLynn]

In Kentucky they can garnish for medical expenses also. My sister had a medical debt that was being reviewed still because there were double charges and charges for services not rendered. That did not stop the hospitals collection company from calling her employer or from starting legal action to garish her wages. Thankfully with all that going on, all the miss charges were taken care of before she had to go to court and she actually owed very little. It dropped from 13k to 1200. It was a huge mess for a while though.