HOW TO STOP A MARYLAND WAGE GARNISHMENT!
YOUR CHOICES ARE LIMITED ONCE A MD WAGE GARNISHMENT HAS HAPPENED:
THE WORST! SIMPLY ALLOWING GARNISHMENT TO CONTINUE UNTIL PAID IN FULL ALONG WITH 10% INTEREST FROM TIME OF THE JUDGMENT.
UNLIKELY TO SUCCEED! YOU CAN CALL THE ATTORNEY FOR THE CREDITOR (THE PERSON YOU OWE THE MONEY TO) AND BEG THEM TO TAKE LESS MONEY FROM YOUR PAY THAN THEY ARE LEGALLY ALLOWED TO TAKE.
HARD CHOICE! ATTEMPT TO WORK ADDITIONAL HOURS AT YOUR JOB OR OBTAIN A 2ND JOB TO HAVE ENOUGH CASH FLOW TO LIVE. REMEMBER, THE MORE YOU MAKE, THE MORE THEY TAKE.
HARDER CHOICE! WORK LESS HOURS TO MAKE LESS MONEY TO LOSE LESS MONEY TO THE CREDITOR.
TERRIBLE CHOICE! QUIT YOUR CURRENT JOB TO TEMPORARILY STOP GARNISHMENT. TOUGH ECONOMY AND FACT THAT GARNISHMENT CAN BE SET UP AT NEW JOB MAKES IT BAD IDEA.
BEST CHOICE! QUICKEST, EASIEST, CHEAPEST WAY TO STOP GARNISHMENT IS TO FILE CHAPTER 7 BANKRUPTCY AND ALSO GET FRESH START!
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MARYLAND CODE DEBT COLLECTION
SPECIAL PROVISIONS – WAGE GARNISHMENTS
- Section 15-601 – Definitions
- Section 15-601.1 – Exemption from attachment
- Section 15-602 – Continuing lien; application and waiver of limitations in § 15-601.1
- Section 15-603 – Duties of employer
- Section 15-604 – Resignation or dismissal of employee
- Section 15-605 – Duties of judgment creditor
- Section 15-606 – Discharge of employee because of attachment prohibited in certain cases
- Section 15-607 – Wages due from State or political subdivisions