Wage Garnishment Laws In Georgia

What is Wage garnishment laws in Georgia?

Wage garnishment laws in Georgia refer to the legal process where a creditor can collect money owed to them directly from a debtor's paycheck. These laws are in place to ensure that creditors are able to recoup debts owed to them.

What are the types of Wage garnishment laws in Georgia?

In Georgia, there are two main types of wage garnishment: court-ordered wage garnishment and wage assignment. Court-ordered wage garnishment is when a court orders an employer to withhold a certain amount of an employee's wages to pay off a debt. Wage assignment is a written agreement between the creditor and debtor where the debtor agrees to have a portion of their wages withheld to pay off a debt.

Court-ordered wage garnishment
Wage assignment

How to complete Wage garnishment laws in Georgia

To successfully navigate wage garnishment laws in Georgia, you should first understand your rights as a debtor. It's crucial to communicate with your creditor and employer to ensure that the garnishment process is handled correctly. Additionally, seeking legal advice can help you navigate the complexities of wage garnishment laws in Georgia.

01
Understand your rights as a debtor
02
Communicate with your creditor and employer
03
Seek legal advice if needed

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Questions & answers

(up to the amount of the judgment plus costs). In Georgia, a bank account garnishment is considered a “one-shot” garnishment. This means that the debt collector gets one shot at the money in the bank account for each bank account garnishment it files.
What Funds Are Exempt From Garnishment? There are several types of funds that are exempt from garnishment, and these include: Retirement, disability, and Social Security benefits. The exception is if you owe federal tax debt, federal student loans, or child support.
Ordinary garnishments Under Title III, the amount that an employer may garnish from an employee in any workweek or pay period is the lesser of: 25% of disposable earnings -or- The amount by which disposable earnings are 30 times greater than the federal minimum wage.
Act quickly to prevent wage garnishment You can file a Claim of Exemption any time after wage garnishment has started, but you'll only get wages back from the time after you submit the claim. If you act quickly, you can stop it before it even starts. By law, your employer cannot fire you for a single wage garnishment.
In Georgia, you can file a traverse of garnishment in order to dispute the garnishment action. However, a traverse will not be successful, unless it shows that the judgment is void or was wrongfully obtained. That is pretty difficult if the creditor sued you and served you properly before filing the garnishment suit.
As of 2020, the Georgia code allows garnishments to last 1,095 days, and that law took effect on January 1, 2021. Before, wage garnishments could last about six months. Now, garnishments can stay for much longer. The current term for wage garnishment in Georgia is three years.