Is the creditor required to notify me periodically on what the judgement balance is after garnishing my wages?

Question from JP, Is the creditor required to notify me periodically on what the judgement balance is after garnishing my wages?

Answer from AI:

Creditor’s Obligation to Notify Debtor

In the United States, creditors are generally not required by federal law to provide periodic updates to debtors about the remaining balance on a judgment after wage garnishment. However, some states may have specific laws that require creditors to provide such information.

Creditor’s Obligation to Report to the Court

Creditors are typically required to report to the court regarding the status of the garnishment. This includes:

• Filing periodic reports on the amounts collected.
• Updating the court on the remaining balance of the judgment.

These requirements can vary by state, so it is important to check the specific laws in your jurisdiction.

Petitioning the Court to Stop Wage Garnishment

You may be able to petition the court to stop wage garnishment if you meet certain criteria. In Arizona, for example, you can request a hearing to challenge the garnishment if:

• You earn the Arizona minimum wage.
• Your income is below 85% of the state median income.
• Your income is 150% below the federal poverty level.

To petition the court, you would typically need to:

1. File a motion with the court that issued the garnishment order.
2. Provide evidence of your income and financial situation.
3. Attend a hearing where you can present your case.

Consulting with a Legal Professional

Given the complexity of wage garnishment laws and the potential for state-specific regulations, it is highly recommended to consult with a legal professional. An attorney can provide personalized advice and help you navigate the legal process.

For more information, you can refer to:

• Consumer Financial Protection Bureau on Wage Garnishment
• Arizona Judicial Branch

Remember, this information is intended to provide a general understanding and should not be considered legal advice. Always consult with a qualified attorney for specific legal guidance.