Garnishment occurs after a creditor or debt collector has obtained a judgment against you in court for the money you owe. To make sure that you pay that judgment, the court orders your employer to pay a certain portion of your wages (sometimes as much as 25 percent) directly to your creditor every payday until your debt is paid in full. For people facing financial hardship, this can turn a bad situation into an even worse nightmare.

If your employer does not already know about your embarrassing debt problems, he will once garnishment is ordered. And making matters worse, most people cannot afford to have 25 percent of their wages garnished.

To stop wage garnishment from happening to you, do not ignore phone calls or notices you receive in the mail. Instead be proactive about dealing with the problem before you are subject to court garnishment orders. To do this, you will need to call the creditor or collector and try to work out a payment plan. Take creditor threats to sue you seriously; failure do so can result in not wondering, “Will my Wages be Garnished,” but actually experiencing it!

Let me start with this statistic…. The average federal employee has a salary of $71,206. The average private sector employee makes nearly $31K less at $40,331.  Does this sound fair to you?

According to USA Today, the number of federal workers whose salaries equaled or exceeded $100,000 jumped by 5 percent during the recession.  A five percent jump!  So, while the rest of the world is cutting back, the government is giving themselves salary increases.

“When the recession started, the Transportation Department had only one person earning a salary of $170,000 or more. Eighteen months later, 1,690 employees had salaries above $170,000,” USA Today reported.

The hypocrisy of this Federal Government Salary Increase for 2010, comes after 7.3 million people have lost their jobs!  How about showing a little restraint?   Does this make anyone else frustrated?  If so, tell me about it below.

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