As being a sc resident, you may be aware regarding the idea of getting your wages garnished. Wage garnishment is an activity some creditors used to force you to definitely spend them right back once you fall in arrears on your own debts. A court orders your employer to withhold a certain portion of your paycheck during this process. The part of your paycheck withheld is provided for creditors to be used to your financial obligation. Because this is a typical commercial collection agency procedure, it’s important to comprehend the fundamental guidelines from it, should you are in this example.
Garnishment generally forbidden
Sc is exclusive for the reason that it offers restrictions that are tight wage garnishment. As a whole, sc legislation forbids most parties that are private garnishing your wages for personal debt. As being a total result, many creditors cannot look for garnishment of the wages for charge card debts, acquisitions of products on shop credit, cash advances along with other types of unsecured debt.
But, this limitation on wage garnishment does not always mean that creditors cannot collect debts against sc residents. Rather than wage garnishment, creditors can use other techniques garnishment that is including of earnings, writs of execution and liens.
Nevertheless, there are exceptions
The law does not protect against all forms of wage garnishment although there are tight rules regarding wage garnishment in South Carolina. There are three commonly experienced circumstances where your wages are garnished with no court judgment: