Pittsburgh Wage Garnishment Lawyers

Experienced Legal Advocates in Pennsylvania

Graham & Borgese is your trusted partner in navigating the complex terrain of wage garnishment in Pittsburgh. Our team of legal professionals is dedicated to protecting your financial well-being and ensuring your rights are upheld. If you face the threat of wage garnishment, it's crucial to act swiftly and with the guidance of a seasoned Pittsburgh wage garnishment lawyer. 

Call Graham & Borgese today at (888) 801-7765 or contact us online to schedule a meeting with our wage garnishment attorney in Pittsburgh!

What is Wage Garnishment?

Wage garnishment is a legal process through which an employer withholds a portion of an individual's earnings to satisfy a debt owed to a creditor. This debt could stem from various sources, such as unpaid taxes, child support, student loans, or other financial obligations. In Pittsburgh, as in many other jurisdictions, wage garnishment is a powerful tool creditors may employ to recover their money.

Understanding the intricacies of wage garnishment is paramount in protecting your financial stability. The process typically begins with a court order instructing your employer to withhold a specific amount from your wages and remit it to the creditor. This can significantly reduce your take-home pay, making it challenging to meet your day-to-day living expenses.

What are the Limitations of Wage Garnishment?

While creditors have the legal right to pursue wage garnishment, there are limitations imposed by federal and state laws to prevent excessive hardship on debtors. In Pittsburgh, the Consumer Credit Protection Act (CCPA) establishes guidelines for wage garnishment to ensure that individuals have enough income to cover essential living expenses.

Under the CCPA, creditors are generally limited to garnishing the lesser of 25% of the debtor's disposable earnings or the amount by which their earnings exceed 30 times the federal minimum wage. This protective measure is in place to safeguard the financial well-being of individuals while allowing creditors to collect what is owed to them.

It's important to note that certain types of income, such as Social Security benefits, unemployment benefits, and disability payments, are usually exempt from wage garnishment. Understanding these exemptions is crucial when evaluating your financial situation and potential exposure to wage garnishment.

What Can Our Wage Garnishment Lawyer Do For You?

Navigating the complexities of wage garnishment requires a legal advocate with a deep understanding of federal and Pennsylvania-specific laws. At Graham & Borgese, our skilled attorneys are committed to providing personalized and effective representation to protect your rights and financial interests.

• Thorough Analysis of Your Situation: Our first step is to comprehensively analyze your financial situation, examining the nature of the debt and the specific circumstances surrounding your case. This allows us to tailor our approach to your unique needs, ensuring the most favorable outcome.
• Negotiation with Creditors: Our experienced wage garnishment lawyers are skilled negotiators who will work diligently to resolve with your creditors. This may involve negotiating a manageable repayment plan or settlement or exploring other legal avenues to mitigate the impact of wage garnishment on your financial stability.
• Legal Defense: We are prepared to mount a vigorous legal defense on your behalf if necessary. This may involve challenging the debt's validity, ensuring proper legal procedures were followed, or advocating for exemptions based on your situation.
• Education and Empowerment: Understanding your rights is crucial to successfully navigating wage garnishment proceedings. Our legal team is committed to educating you about your rights and providing the information you need to make informed decisions about your financial future.