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Idea to send: |
| Topic | Wage garnishment |
| Content | I have few ideas for OK as I have lived here long enough to know how government works here. But today one of the laws OK have on the books that is affecting me is wage garnishment for creditor debt. This is the second time I've had a garnishment. It started in 2002. I moved here with my 16 yr old son when Kelly AFB was closed by the Base Realignment Closure Committee. I soon found out that though my husband whom I have been separated from since 1999, and I clearly had mutual debt that because I lived in OKlahoma (and worked for DOD), and he lived in Texas, it left the lawyers to come after my wages which were susceptible to OK's garnishment ;aws and that's what happened. Over the course of the next 2 1/2 years, I paid out over $17,000.00 in payments--up to 30% more than I originally owed. It was only after I was able to get a loan from my 401K plan that I was able to get the company out of my pocket.
NOw it's happening again. I'm in financial trouble and my wages are being garnished again. I'm not sure--but are you aware the states below do not allow wages for ceditor debt to be garnished:
In certain states your wages cannot be garnished for certain liabilities. For instance, if you owe taxes, they will garnish your wages, if you owe child support and have been a deadbeat parent, they will garner your wages, however, there are some jurisdictions that will not garnish your wages for certain unsecured debt.
Florida but only if you are head of household.
South Carolina, too!
Pennsylvania, South Carolina, North Carolina and Texas do not allow wage garnishment for creditor debt. Florida does not have specific laws prohibiting the action, but does have laws that make it very difficult for wage garnishment against the "head of household."
Kansas - Special "purchased paper" law. Basically, if an account is sold to another company *BEFORE* judgment, a wage garnishment is not allowed. If an account is sold to another company *AFTER* judgment, then a wage garnishment is allowed.
Please, please, please, can the state legislature change the terms of the garnishment law. 1) Because federal/ state workers are the targets, e.g. not paying back cash or payday loans in a timely manner; 2) Single mothers whose husbands live in a wage garnishment free state or more vulnerable and are the ultimate victims of this law.
I appreciate this forum to apprise you of this really terrible law and hope you will forward it to the proper legislator to get it off the books.
Paying taxes and paying for all the monies taking from me from this garnishment makes me want to get as far away from Oklahoma as I can get. Please don't me down I really like it here. |
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