The Law Office of Kim Covington

Call For A Free 1-Hour Consultation
541-393-2790 | 800-673-1891

Please Ask For Kim Directly When Scheduling An Appointment

Common questions about wage garnishment, answered

When consumers take on more debt than they can handle, creditors sometimes turn to wage garnishment to collect the outstanding balance. Since there are a lot of questions surrounding this form of collection, we thought our readers in Lane County who are being harassed by creditors threatening to garnish your wages would be interested to learn more about the process as well as your legal rights.

Most states, including the State of Oregon, allow credit card companies to garnish your wages. That being said, there are restrictions. Before any money can be deducted from your paycheck to pay debts, the creditors must first obtain a court order. If multiple parties get collection orders, they will typically be paid in chronological order. There are certain debts that take priority, however. While laws vary from state to state, garnishments are usually ranked as follows: bankruptcy orders, unpaid taxes (federal), back child support, delinquent student loans (federal), unpaid taxes (state/local), delinquent student loans (state) and finally, other creditors. Credit card companies fall into the latter category. It is also important to remember that higher priority debts have higher withholding thresholds. For instance, up to 60 percent of your disposable income can be garnished to pay child support but only 25 percent can be withheld to pay other creditors.

Wage garnishments will not stop until the debt is satisfied or discharged by a court order. No amount of negotiating with or begging to your employer can make it stop. Those who are faced with overwhelming financial challenges including vehicle repossession, credit card debt and wage garnishment may want to speak with a bankruptcy attorney. 

Source:, “ Consequences of Black Friday debt: Collection calls and wage garnishment ,” Ed Zalewski, Dec. 7, 2013

No Comments

Leave a comment
Comment Information
email us for a response

Learn More About Your Fresh Financial Start

Bold labels are required.

Contact Information

The use of the Internet or this form for communication with the firm or any individual member of the firm does not establish an attorney-client relationship. Confidential or time-sensitive information should not be sent through this form.


Privacy Policy

The Law Office of Kim Covington is a debt relief agency, and I have helped families, individuals and small businesses, file for bankruptcy relief under the U.S. Bankruptcy Code, for over 19 years.

The Law Office of Kim Covington

The Law Office of Kim Covington
1445 Willamette Street, Suite 9
Eugene, OR 97401

Toll Free: 800-673-1891
Phone: 541-393-2790
Fax: 541-344-6466
Eugene Law Office Map

P: 541-393-2790

T: 800-673-1891

F: 541-344-6466