Is it legal for a credit card company to garnish your wages?

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If a creditor sues the debtor and wins, the creditor/plaintiff will be awarded a writ of judgment. A judgment can be executed against any non-exempt property that belongs to the debtor/defendant. Wage garnishment is usually the first choice, there are four states that do not allow "WG" when it pertains to creditor debt; those states are North and South Carolina, Pennsylvania and Texas. A judgment can also be used to levy bank accounts, place liens on real property, and sometimes as a forced sale of real and/or personal property that is not exempt.

Many States have a Head Of Household Statue which in many cases can exempt you from garnishment.

 

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