Garnishment Lawsuit in Georgia. Our lawyers and attorneys stop garnishments in Dalton, Chatsworth, Ringgold, Calhoun, and all surrounding areas in Northwest Georgia. Garnishments are usually a legal action between a creditor and your employer or your bank. Your employer or bank is called the “garnishee” and is being commanded by the garnishment to deliver money to the Court, who in turn will send the money to the creditor. The basis for the garnishment is that the creditor has previously obtained a monetary judgment or a court order against you, which is supposed to be stated in the garnishment papers.
A garnishment on your bank, also called a “one-time garnishment” can actually drain your entire bank account. A garnishment on your employer, also called a “continuing garnishment,” will take out 25% of your gross income each pay check and lasts 6 months. After 6 months, the creditor will usually start up a new continuing garnishment.
Whether your bank account is drained or you suddenly take home two-thirds of what you used to, garnishments cause immediate and dramatic harm. At Hurtt & Johnson, we can review your options for stopping a garnishment. In a few cases, there is a basis for stopping garnishment because the garnishment itself is improper, such as where the original judgment was improper. More often, the best solution is to file a bankruptcy (link to bankruptcy page), which immediately cancels the garnishment.
We urge you to meet with an attorney before a garnishment ever arises, however, we understand that sometimes our clients are not even aware of a creditor’s collection efforts until their paycheck is deducted. Please schedule a free and confidential consultation today to discuss your options.