Wage Garnishment For Credit Card Debt?

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Can my wages be garnished for credit card debt? The answer for consumers located in Pennsylvania is no. Debt collectors can’t garnish your wages. In fact, they can’t even threaten to do so. Contact BCJ Law’s debt harassment attorney if a debt collector threatened to garnish your wages. Complete our contact form or call us at 1-800-997-5561.

What does wage garnishment mean?

The term “garnishment” generally refers to a legal procedure where sums are deducted without your consent from a money source. A writ of execution filed against a bank is a common type of garnishment.

Wage garnishment is another type of garnishment action. It refers to the process of seizing funds directly from your employer. When wage garnishment occurs, part of the wages that should be included in your pay check are instead diverted to the entity that’s garnishing your income. 

Can debt collectors garnish wages for credit card debt?

"Debt collectors can't garnish your wages, even if they sue you for credit card debt."

In Pennsylvania, debt collectors and creditors can’t garnish wages for credit card debt. Pennsylvania law sets forth specific exemptions to debt collection activity.

These exemptions prohibit debt collectors, creditors, and other companies from reaching certain funds or property of individuals. Fortunately, Pennsylvania law does not allow for wage garnishment for credit card debt. That means debt collectors can’t garnish your wages even if they sue you for credit card debt or get a judgment against you.

Can debt collectors threaten to garnish wages for credit card debt?

Debt collectors can’t threaten to garnish wages for credit card debt. A federal law called the Fair Debt Collection Practices Act (FDCPA), and a state law called the Fair Credit Extension Uniformity Act (FCEUA), prohibit debt collectors and creditors from making false, deceptive, or misleading statements. Since debt collectors can’t garnish wages for credit card debt in Pennsylvania, it is false and misleading for them to suggest that they can do so. If a debt collector threatens you with wage garnishment for a past due credit card account, it’s likely violating the law.

Can I sue debt collectors for false statements?

The FDCPA and the FCEUA allow consumers to sue debt collectors for deception, harassment, and unconscionable debt collection practices. Threatening to garnish wages often is a basis to file suit. You can get the following if you sue for unlawful debt collection practices:

  • Actual Damages: these compensate you for monetary loss, as well as harm for emotional distress, anxiety, and stress caused by unlawful harassment.
  • Statutory Damages: you can get up to $1,000 in statutory damages for unlawful debt collection.
  • Attorneys' Fees: when debt collectors violate the law, they often are on the hook for attorneys fees and costs. That means you may be able to get free legal representation in pursing claims against debt collectors.

Hire BCJ Law to help.

If a debt collector threatened to garnish your wages for credit card debt, visit our debt collection harassment page to learn how BCJ Law can help. Call us at 1-800-997-5561 or complete our contact form.

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