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Nesha1920 · Aug 30, 2007, 07:55 AM

I had a credit card for Target and now they are trying to garnish my wages. I have never avoided them and have been trying to work out a payment plan. I can not afford for them to garnish my wages. They would not allow me to send less than 150 a month. But I heard that if I even attempted to settle the debt that they would not be able to garnish my wages. So I sent in some money which they actually sent back. It's crazy. I was able to settle with one company and I pay them. I don't know what to do and can send them in the 150 or even more after this month but they just don't care. What should I do? Oh by the way I live in GA:confused:

Emland · Aug 30, 2007, 07:56 AM

They apparently have received a judgment against you and unfortunately, there isn't much you can do unless you quit your job which would be counter productive.

Nesha1920 · Aug 30, 2007, 07:59 AM

I can't quit my job! I have other bills and that's what I've been trying to explain to them. If I quit they surely won't get any money from me. I have a car note and bills. I also heard that if you aren't economically capable of paying the debt you can stop it

Nesha1920 · Aug 30, 2007, 08:03 AM

Oh by the way do I have to have a court date before this happens

Emland · Aug 30, 2007, 08:24 AM

I am the payroll manager at my job. When a garnishment comes in I have to calculate their "disposable income" which is everything after state and federal taxes and take 25% of it to apply towards the garnishment. It has to be sent in to the court usually within 12 weeks. If the entire amount is not satisfied, then the company will got back and get another garnishment order and add on the extra expenses to it as well.

If they have not gotten a judgement against you, yet, then you need to get an agreement with them in writing immediately.

Emland · Aug 30, 2007, 08:25 AM

BTW, that is 25% per pay period which in our case is weekly. If the judgment is satisfied before that time I send it in when it is fulfilled.

ScottGem · Aug 30, 2007, 08:30 AM

Before they can garnish your wages, they have to obtain a judgement against you. Before they can do that, they have to file suit in court and you have to be served a summons notifying you of the suit. You will then be given the opportunity to defend against the suit. Your defense would be that you have offered a settlement that you can afford and it has been refused. That may not fly as a defense, though. Hopefully it will cause the judge to order they negotiate with you.

You stated that they are "trying to garnish: your wages. What makes you think that? Have they just told you that's what they are going to do or have you received a summons or what?