Where Form 843 Garnishment 2011-2023

Hello and welcome to our video my name is John watts I'm a consumer protection lawyer and a big part of my day is spent suing debt collectors and defending consumers who have been sued by debt collectors and here's a question that comes up maybe you get a phone call from a debt collector you get a letter from a debt collector or you see them on your credit report or you actually get sued by them and the question is can I have my wages garnished by this debt collector before they have a judgment against me well there's a couple questions that we always ask number one is their judgment against you if that debt collector has a judgment against you then yeah it's almost a certainty they can garnish your wages unless your wages are low enough that you are exempt from wage garnishment but let's say they have no judgment against you then the second question is is this some type of federal debt like a federal student loan because sometimes those guys can go through what's called an administrative process where they follow all these steps and then they're allowed to administrative league arnis your wages but if it's not that I mean if we're just dealing with Midland Funding portfolio Calvary LVN V these guys are collecting credit card medical debt car loan debt maybe even old mortgage debt and they threaten or suggest to you that they can garnish your wages and they do not have a judgment against you and that's a problem we want to know exactly what are they saying now sometimes they'll try it and be very vague like ultimately things could possibly lead to where we have the legal right to garnish okay maybe that's okay depends...