Has a debt collector threatened to garnish or attach your wages?
Rest assured, Wage Attachment cannot occur in Pennsylvania except under very limited circumstances, and paying on credit card debt is not one of them.
As per Pennsylvania law, wage garnishment can only occur for:
- judgments for spousal or child support
- PHEAA student loans
- back rent on a residential lease
- obligations relating to a final divorce distribution
- certain tax issues
- restitution on a criminal matter
Unfortunately, creditors such as collection agencies and junk debt buyers make these threats all the time, even though it is illegal to do so. They make these threats of wage garnishment because they know that it is a powerful threat, a very serious scare tactic that works quite often.
If a creditor has threatened to garnish your wages in Pennsylvania, that is a violation of the Fair Debt Collection Practices Act (FDCPA). You may have the right to bring a claim against them, and you may be entitled to a statutory damage award up to $1000, plus the recovery of your reasonable attorney fees. It is helpful for us to know who you spoke with, when it occurred, and what they said to you. If you have any documentation such as a letter, email or fax that makes a wage garnishment threat, that makes your potential claim that much better.
Filing a claim is as simple as calling our office. We can evaluate your matter and take care of everything for you. There is no up front legal fee for these types of cases because we can make the debt collector pay your legal fees. (There is no fee for our consultation, and there is no fee if we cannot recover anything for you).
Contact our office today at 412-281-1250 or 1-888-536-6644 for a no cost, no obligation review of your PA Wage Garnishment or other collection law issue.
