Can I have my wages garnished if I owe money to a credit card company?

Once the credit card company obtains a valid judgment from a State Court, it can pursue collection of the judgment by bank levy, wage garnishment, and other means. Consult with an attorney.

The credit card company may be able to garnish your wages and levy a bank account if it obtains a judgment against you. If they are suing you and you do not respond, the creditor will usually get what is known as a default judgment. Once the judgment is obtained, the creditor will have to ask the court for a garnishment order.

Yes, once there is a judgment issued by the Superior Court it can be enforced in many ways including garnishment of wages, levy of a bank account, filing of an abstract of judgment in the County Recorder's Office which become a lien on property you own in the County and you can be ordered to appear in the Superior Court for an examination under oath so that the creditor can find out where you work, how much you make, where you have bank accounts, if you own any property, etc. If you do not appear the Superior Court can issue a bench warrant for your arrest. The judgment will be for the amount owed plus late charges, interest and attorneys' fees for the creditor's attorney. If you answer the complaint for money in the Superior Court issuance of the judgment will be delayed while the case is set for trial but eventually you will probably lose the case if it is true that you owe the money. You might want to discuss the situation with a local bankruptcy attorney to see if that is an option for you.

In New Jersey, a creditor who obtains a judgment can then proceed to seek approval of a wage garnishment from the court. There is a formula that calculates how much money can be removed from your paycheck, it depends upon the number of dependents a person has and a few other factors.

Yes they can and most likely will garnish your wages. Some times you can settle with the collection company.

A judgment in granted in the favor of a creditor can be for either a levy, wage garnishment or even a lien. A chapter 7 bankruptcy can eliminate that judgment.

Yes, and you can be ordered to make periodic payments by the court.

Yes, once your credit card company obtains a judgment against you, it may seek to garnish your wages as a means of enforcing the judgment. This may result in up to 25 percent of your net earnings being taken from you. It may be possible for you to negotiate a repayment plan with your credit card company and avoid having your wages garnished. Contact an attorney immediately before the judgment is entered.