If a creditor charges an account off but its purchased by a collection lawyer, how can you get protection from wage garnishment?

You should speak with a local consumer rights attorney.  There are various statutes that may protect you from collection actions, and the debt holder may be time-barred from filing any suits against you.  For your wages to be garnished, the debt-holder must get a judgment against you in court.  Each state has specific exemptions for what assets are garnishable, and a local consumer rights attorney will know whether any of the exemptions apply to your situation. This is not intended to be legal advice, and is general in its nature. No attorney-client relationship exists or is formed by this information. Furthermore, this does not represent the views or opinions of LexisNexis or its affiliated companies.