Anyone facing debt is dealing with a serious challenge. There are many ways into financial problems, but there are fortunately also many ways out. The right attorney can help clients consolidate debt, declare bankruptcy or find another way towards financial health.
Wage garnishment is one way the creditors will try to reclaim what they are owed from people who owe them. It involves an order for a debtor's employer to set aside a portion of earned wages directly for repayment of a debt. This can also apply to dividends, repayments and other income.
There are significant limits to wage garnishment, including a percentage cap on what can be taken from someone's income. This is because, although creditors getting repaid is important, getting debtors on the road to financial success is the goal of all forms of debt relief.
A civil rights organization in Ohio has just filed an amicus brief hoping to restrict wage garnishment even further. A local government in the Buckeye State imposed a garnishment on a prison laborer who is already barely able to cover basic needs.
"Requiring indigent people to pay court costs without considering their ability to pay violates the U.S. Constitution, and is cruel and unnecessary," said a staff attorney involved in filing the suit.
The argument of an unreasonable debt may apply to debtors of all types, and a lawsuit may help defend a person's income against wage garnishment. Legal efforts to end creditors' harassment and consolidate debts can help end damaging efforts to reclaim money and get people on the way back to security.
Source: Norwalk Reflector, "ACLU of Ohio files brief in lawsuit on wage garnishment of prison laborers," Celina Coming, Feb. 11, 2018