4 Answers

Read here...... http://www.nedap.org/hotline/garnish.html

Yes, a creditor or collector can sue for money owed. If they win the lawsuit they will be awarded a judgment which can be used among other options as a wage garnishment. The maximum garnishment for the state of New York is 10% of gross income or the Federal maximum (25% of disposable income) whichever is less.

http://wiki.answers.com/Q/Can_creditors_garnish_your_wages_in_New_York_state

But there is a law in NYS that no more than 25% of your wages can be garnished and no more than 50% for child support. My question is if I am already being garnished 32% for child support does that keep other creditors from garnishing my wages?

I already did that and I don't qualify because they use gross wage not net after Child Support and Alimony. I have no disposable income to do chapter 13 so I am between a rock and a hard place. Garnishment could put me on the streets. So my question remains, can they (personal creditors)take anymore than I am already paying when NYS maximum is 25% of disposable income. Does the 30% already taken out put me over the threashhold?